The Research On The Financing Problems And Countermeasures Of Small And Micro Businesses In Shang Hai

Small and micro enterprises have made a great contribution to the development of the national economy in China, including providing employment, increasing taxes and many other aspects. Small and micro enterprises have become an important force of economic development. But the financing problems seriously restrict the development of small and micro enterprises. This has become one of the most important reasons for the development difficulties of small and micro enterprises. This article takes the shanghai small and micro enterprises as the research object, through the questionnaire survey and other methods to get the reasons that resulting the financing difficulties of small and micro enterprises in Shanghai. And through analysis, the main reason for this problem is the lack of credit rating system. In order to solve this problem, I use the analytic hierarchy process to establish the credit rating system of small and micro enterprises. Then present some other countermeasures and suggestions to solve the financing problems of small and micro enterprises by analyzing the other reasons.The research object of this paper is the financing problems and countermeasures of small and micro enterprises in Shanghai. The main content of the specific sections as follows:Chapter 1: Introduction. This chapter introduces the source, background, significance, research contents, research methods and literature review of this article.Chapter 2: This chapter defines the concept of small and micro enterprises, and introduces the characteristics of the financing needs of small and micro enterprises, the main financing way of small and micro enterprises and the theoretical basis of this paper.Chapter 3: This chapter describes the status of small and micro enterprises in Shanghai, the design of the questionnaire. Get the financing situation of small and micro enterprises in Shanghai by analyzing the relevant literatures and dates.Chapter 4: This chapter introduces the internal and external causes of the financing difficulties of small and micro enterprises in shanghai. From the internal point of view, the causes are as follows: the financial system is not standardized, the social credit is lacking and the innovation is insufficient. From the external perspective, this chapter analyzes the reasons caused by government, financial markets, small and micro enterprise service agencies, financial institutions and financing guarantee system.Chapter 5: This chapter analyses the establishment of the credit rating index system model of small and micro enterprises and the establishment of the credit rating index system of small and micro enterprises. Identify the criteria of the credit rating of small and micro enterprises.Chapter 6: Using the experience of foreign developed countries; put forward some countermeasures and suggestions of improving the financing environment of small and micro enterprises in shanghai.Chapter 7: Exploring the impact of internet finance on solving the financing problems of small and micro enterprises.Chapter 8: Summary and Outlook...