Research On Funding Problems Of Ningbo Small And Medium-Sized Enterprises

Funding problems on small and medium-sized enterprises have always been a hot topic to theoretical study and practice at home and abroad. And based on importance of small and medium enterprises to the people’s livelihood and ease the fund trouble, it is also related departments’ responsibility and obligation. This paper topic selection at the beginning of a new world when the financial crisis sweeping the globe economic. Thus the international and domestic economic development environment is full of changes and crisis. All of these brought the domestic enterprise’s unprecedented challenges. In this situation, how to alleviate the pressure of the small and medium-sized enterprise capital chain, help small and medium-sized enterprise out of financing difficulties, to improve small and medium-sized enterprise external environment and improve the small and medium-sized enterprise core competition ability, is becoming more significant. Therefore, this paper attempts to general theory analysis from the start, exploring the financing difficulty in deep, and conclude with regional financing features of small and medium enterprises and difficulties of the financing.As there are comprehensive small and medium-sized enterprises in Ningbo, and the situation like regional high special financing structure and financial ecology, the thesis mainly focus on choice of small and medium-sized enterprises. Ningbo, as a sample city under the observation, provide us in-depth of understanding in regional characteristics of middle and small enterprises funding sources, financing scale, financing structure and financing characteristics and so on through the questionnaire with typical survey form. At the same time, fully study from America, Japan and other developed countries relatively mature all kinds of small and medium-sized enterprise financing experience, combination Ningbo economic development environment and the practical characteristics of small and medium-sized enterprises, from the macro and micro aspects and puts forward the solution to small and medium-sized enterprise financing problems of feasible Suggestions.In view of this paper use the main theoretical basis, the economics of information is based on the asymmetric information on the financing of small and medium enterprises of the gap related explanation, so in the analytical process, the author is always pay the attention to the core factors, analysis of the problem of middle and small enterprise financing mechanism, and improve the information asymmetry the restricting the financing of small and medium enterprises of the root cause, this paper try to puts forward the relevant policy Suggestions to government departments of financial system to solve the funding problem of the medium and small-sized enterprises.