Research On Government Behavior Of SME Financing

Small and medium-sized enterprises can promote economic development in urban and rural areas,meet the diverse needs of consumers,absorb a large number of social labor,promote scientific and technological innovation and have other advantages.It is the backbone of the development of the national economy and people's livelihood,also affect the stability of society.According to the National Federation of industry data,the private economy accounted for more than 60% of China's GDP,is the main channel to solve the employment,providing jobs accounted for more than 80%,while more than 90% of private enterprises are small and medium enterprises.However,with the continuous development of China's economy and the intensification of market competition,the development of Small and medium-sized enterprises is faced with various problems,especially the problem of financing difficulties.The financing of small and medium-sized enterprises is a worldwide problem,and the countries in the world take different measures to solve the financing difficulties of small and medium-sized enterprises,including fiscal policy,monetary policy,behavior and so on.Small and medium-sized enterprises can reflect the economic development of our country,from the government to the community are very concerned about the problem,and also do a lot of work,but the financing is still hindered the development of small and medium enterprises.To fundamentally ease the financing difficulties of small and medium-sized enterprises,our government need to take some positive measures to boost the healthy and rapid growth of small and medium enterprises.From the internal perspective,small and medium-sized enterprises operating is unstable,high risk and lack of collateral and guarantee.It results small and medium-sized enterprises to obtain financial resources more difficult;from external causes,the direct financing channel is not smooth,the indirect financing channel is narrow,the credit guarantee system is not perfect,and lack of effective policy support.This article analyzes of the position of the government in solving the financing dilemma of small and medium enterprises and the decisions,mainly from the establishment of the government function,the transformation of government behavior,to give full play to the role of government in solving the financing problem of small and medium-sized enterprises.First of all,this paper analyzes the problems existing in the financing of small and medium-sized enterprises in China and the reasons of financing difficulties,and then introduces the advanced experience of the developed countries such as the United States and Japan to solve the financing difficulties of small and medium-sized enterprises.This paper focuses on the analysis of the current financing problems of Rizhao City,and the various measures,method and suggestions that the government of Rizhao City takes to solve the problem,according of the reality of our country.It is believed that the government should fully support the development of small and medium-sized enterprises,and give preferential financing to SMEs from the legal,fiscal and taxation policies,change government functions and increase service supply,to solve the financing difficulties of small and medium-sized enterprises.