Study On The Restrictive Factors And Countermeasures Of The Financing Of Small And Medium Sized Enterprises In Fanshi County

Small and medium-sized enterprises is important power for the sustainable de velopment of national economy, Its economic growth in the realization of, promote t he guarantee of employment, maintain social stability, promote scientific and techno logical innovation, increase the fiscal revenue play an important role in such aspects. Therefore, to ensure the small and medium-sized enterprise sustainable, stable and healthy development is of great significance to build a well-off society in an all-roun d way.Fanshi county is located in the northeast of Shanxi Province, north of mount H eng, south reliance Wutai mountain,in county is mountainous, large beach,wide slo pe, plant resources, land resources, rich mineral resources, as a typical resources from the county seat, is bearing the weight of the dual mission of revitalization and economic transformation, both to keep the development of the resource-based enterprises, win the time for transformation, and to accelerate the development of small and medium enterprises as the main emerging industries, the strategic adjustment of economic structure, a large number of new small and medium-sized enterprise financing difficulties in the process of problem further.Based on the small and medium-sized enterprises at home and abroad for reference, on the basis of relevant research results and practical experience, analyzes the Fanshi county economic development of small and medium-sized enterprises and the financing present situation, from the aspects of government, financial institutions and enterprises to explore the Fanshi county restricts the small and medium-sized enterprise financing, put forward the tactics of Fanshi county small and medium-sized enterprises out of financing difficulties. The analyais of this paper shows that, at present, Fanshi county is in the key of the transformation of resource-based economy put forward the tactics of Fanshi county small and medium-sized enterprises out of financing difficulties. climbing phase, the investment the economic characteristics of the obvious. In the process of strengthen existing industries, foster new industries, large amount of money demand, strong rigidity, especially county small and medium-sized enterprises higher degree of dependence on money. But due to the weak innate quality and relevant supporting policies and measures does not reach the designated position, Fanshi financing problems of small and medium-sized enterprise development and contradictions increasingly prominent,.And Fanshi the cause of the financing difficulties of small and medium-sized enterprises is various: the macro level, there are unsound laws and regulations, imperfect service of small and medium-sized enterprises in the financial credit system of small and medium-sized enterprises, the factors such as guarantee and supporting service system; The micro level, with the development of small and medium-sized enterprises lack of planning, weak credit concept, poor stability, the high cost of financing, the mortgaged property is scarce and other factors. Dissolve the fanshi county small and medium-sized enterprise financing difficulties for enterprises, financial institutions, the joint efforts of government and the three parties: the enterprises should make efforts to improve their comprehensive quality, strengthen management, strengthen the credit consciousness, maintaining corporate reputation, broaden the financing channels, etc; Financial institutions should improve the internal rating agencies, strengthen information sharing with other department, improve the system of small and medium-sized enterprise credit and guarantee system, improve the level of financing services, establishment of policy Banks, etc. For the government to small and medium-sized enterprises oriented guide, perfect the relevant supporting policies, strengthening the financing convenience financial institutions loans, perfect supervision mechanism, increase the direct financial support for small and medium enterprises etc.