Research On Financing Problems Of Small And Micro Enterprises In Ningxia

The number of Small and micro businesses, strong activity, is a solid foundation for sustained and stable economic growth, has become an important pillar of the national economy,. According to incomplete statistics, at present Ningxia Small and micro businesses scale has nearly 400 thousand households, accounting for more than half of comprehensive tax area, effectively solve a lot of employment, become one of the main driving force of economic development of the autonomous region. However, due to its multiple Small and micro businesses is not perfect, in the period of economic downturn, Small and micro businesses financing problems gradually, restricts the sustainable development of enterprises.At present, Ningxia small and micro enterprises financing situation is not optimistic, there are many problems. Is mainly reflected in the following aspects:one is the imbalance between supply and demand of loans; the second is the urgent need to optimize the financing structure; the third is financing a lack of continuity; the fourth is the high cost of financing, financing guarantee system is not perfect, financing guarantee system construction slow pace, higher guarantee fee; six is financing policy environment need further improvement.Through the analysis of the status quo of Ningxia small and micro enterprises financing, found that small and micro enterprises financing difficulties mainly small and micro enterprises themselves and the external financing environment is not ideal two aspects of the external financing environment. Reference at home and abroad to support small and micro enterprise financing the advanced experience, combined with the situation of Ningxia, Ningxia small and micro enterprise financing difficult to put forward two suggestions:one is strengthening small and micro enterprises in Ningxia’s all-round construction, mainly from the perfect corporate governance, improve the financial system put forward opinions and suggestions to solve. The two is to improve the external financing environment, the opinions and suggestions from the bank level, the level of capital markets, credit level and government level.