Research On China’s Small And Medium-sized Enterprise Financing Problems And Countermeasures

With the establishment of the market economy system, the development of small and medium-sized enterprises in China is very quickly, especially in creating jobs and promoting technological progress and product innovation, maintain social stability has played a huge role. According to statistics, a total of more than 5000 small and medium-sized enterprises in our country, the contribution rate of gross domestic product of 60% above, tax revenues of more than 50%, creating employment in cities and towns was 80%.At the same time, compared with the state-owned large enterprises, small and medium-sized enterprise flexible mode of operation, able to quickly adapt to social development trend, meet people’s needs, is pulling an important force in China’s economic growth, improve international competitiveness. At the same time, compared with the state-owned large enterprises, small and medium-sized enterprises can quickly adapt to social development trend, meet people’s needs, is pulling an important force in China’s economic growth, improve international competitiveness, the position and role of the economic and social development in our country is more and more big.However, still faces many obstacles in the development of the small and medium-sized enterprises, the most prominent is the problem of financing difficulties, although the Chinese government issued a series of policies and measures to help ease the financing difficulties of small and medium-sized enterprises, but the small and medium-sized enterprises small in scale, low credit rating, the characteristics of the operation risk big, the difficulty of financing and haven’t been solved fundamentally. Therefore, in-depth study of small and medium-sized enterprise financing problems, explore the causes of problems, formulate corresponding countermeasures about China’s future development and economic progress.Based on financing theories as the research tools, from the current situation of small and medium-sized enterprise financing, were standing on the financing, financing channels, Banks and small and medium-sized enterprise own four angles, deeply analyzes the causes of financing, financing experience of developed country for reference at the same time, on this basis to find out the suitable for China’s small and medium-sized enterprises financing and improve the strategy. This article introduced JTD company listed on the new three board Beijing as a case study, the problems and causes in the process of financing analysis, combined with the finance related theory, the existing financing problems put forward the corresponding countermeasures, and hope that by studying the case of our country small and medium-sized enterprises in financing countermeasures sprang out. Finally based on the above analysis of our country small and medium-sized enterprise financing problems and the study of specific case, from financing, bank, small and medium-sized enterprise itself, the government and the legal four dimensions to our country small and medium-sized enterprise financing problems put forward countermeasures and Suggestions.