Small Micro-enterprise Financing Dilemma Chaohu City Countermeasures

Small and micro businesses as the human body blood capillary, small scale, but relates to the field of multi role may not be underestimated. As of 2015, the number of China's Small and micro businesses reached about 40000000, creating the GDP accounted for 60%, the tax paid accounts for about half of the total national tax revenue, while also providing nearly 80% jobs, they promote social stability, the formation of the business pattern, increase China's tax revenue, encourage technological innovation harmony. However, Small and micro businesses in the process of development and growth, "bad money" has been the biggest problem, the financing problem has become a stumbling block, stumbling block.Chaohu's small and micro enterprises in this city as the promotion of regional economic development, in the process of economic transformation and upgrading, the same is also facing financing difficulties, namely, financing difficulties, high financing costs. To solve these problems, Chaohu municipal government, financial institutions and other departments have issued some policies and measures, has achieved some success, but for the most Small and micro businesses, as superficial, does not solve the substantive issues. Based on this situation, combined with the characteristics of Chaohu Small and micro businesses, small and micro enterprises financing situation, trying to find reasons from many aspects (both inside and outside), in-depth analysis of Chaohu city Small and micro businesses financing difficulties, to put forward the countermeasures to solve the financing difficulties.Firstly, the basic theories and financing methods of small and micro enterprise financing are briefly described. Secondly, the author sent 200 questionnaires to the small and micro enterprises in Chaohu city, and got the effective data of the research. The questionnaire was 178 copies, the first-hand information was mastered in detail. Meanwhile, during the process of the thesis writing, the field investigation visited 122 small and micro enterprises, visited 7 banks (4 state-owned commercial banks, 2 joint-stock banks and a village bank) and the small government financial office staff, to professionals and leaders to ask, in order to complement the questionnaire missing information on the small and medium enterprises in Chaohu City, a more comprehensive and in-depth understanding of the situation. The paper analyzes the actual financing difficulties of small and micro enterprises in Chaohu city and analyzes the reason of formation of financing dilemma from both inside and outside. Finally, through the analysis of financing case of SL company, Combined with the regional characteristics of small and medium enterprises in Chaohu City, according to local conditions, that break the small and medium enterprises financing bottlenecks in Chaohu City can guarantee the sustainability of earnings, good communication between banks and enterprises to ensure that the policy environment to ensure that financing as much as possible Many small and medium enterprises in Chaohu City to create a good external financing environment. In short, small and micro enterprises in Chaohu City, the plight of financing difficulties, complex reasons, out of the shackles of financing need to work together to complement each other to achieve.