Study On The Financing Mode Of The Small And Medium Sized Business District

In today’s society, economic globalization, international competition domestic zed, the international financial crisis at any time, an appreciating renminbi in the international market, these are pressing for stimulating domestic demand to promote economic development. As is known to all, vigorously developing small and medium-sized enterprises is conducive to boost domestic demand. And supporting the development of small and medium-sized enterprises need the money, but the fact is that currently small and medium-sized enterprises in the process of its development generally encountered difficulties, shortage of funds, this is not only developing countries but also a common phenomenon in developing countries. If continue to ignore or take no account of the small and medium-sized enterprise financing difficulties, not only lead more slow development of small and medium-sized enterprises, but also affect the development of a country’s economic and social stability. So, facing the problem of financing difficulties of small and medium-sized enterprises, and combined with the actual situation of the current, comprehensive, actively explore the small and medium-sized enterprise financing channels and financing way, it is necessary to solve the problem of financing difficulties of small and medium-sized enterprises. In order to break the small and medium-sized enterprise financing difficult problem, the ministry of commerce and the China banking regulatory commission jointly issued "on guidance to promote the development of business circle financing", encouraging business circle financing model. Because of a single small and medium-sized enterprises small, unable to resist risks, so it is difficult to get bank loans, but would be conducive to business circle the overall package, not a single enterprise’s controllable risk become an integral part of the controllable risk, it can effectively solve the problem of financing difficulties of small and medium-sized enterprises. At present, our country’s tight monetary policy, small and medium-sized enterprises increased the cost of financing, the financing difficulty increasing, worsening business environment, the use of business innovation of small and medium-sized enterprise financing mode, to solve the difficulties in financing small and medium-sized enterprises, expanding domestic demand strategy is of great significance.On the structure, this study, a total of six chapters. Are the research background and significance, the business circle of the financing theory basis, Nanchang hongcheng business circle, business circle financing present situation analysis the innovation of the financing mode, the countermeasure and the suggestion and conclusion and prospect, from the six most of the research.Think of this research: to fundamentally solve the small and medium-sized enterprise financing difficult problem, must further study of the cause of the small and medium enterprises financing difficulties, and on this basis, the study conclusion innovation to adapt to the current new situation of small and medium-sized enterprise financing strategy, new pattern. At the same time, in order to make the new model better services to small and medium-sized enterprise financing, also must adopt corresponding countermeasures, so as to guarantee the innovation of new mode of small and medium-sized enterprises can get effective use. Therefore, this research guided by the business circle financing theory, the present situation of the business circle of our country finance and hongcheng business circle of the financing strategy pattern, finally come to the conclusion that to strengthen the government’s policy support of financing business circle, rich means of financing guarantee support, optimize the development of small and medium-sized enterprises special funds and promote the establishment of business circle and the cooperation mechanism of financial institutions, reduce the risk of guarantee and establish a sound business circle financing guarantee system and so on four big countermeasures and Suggestions.In this study, the innovation of business circle secured financing mode, as a policy reference, to solve the financing difficulties of small and medium-sized enterprises in business to provide the theoretical basis, but also for small and medium-sized enterprise financing operation has certain guiding significance.