The Statistic Analysis Of Factors Of Small And Micro Businesses' Financing Dilemma Of Jiangxi Province

There is no doubt that the small and medium enterprises play a very important role in national economy.Although the government introduce some favorable policies which is good for the development of small and micro businesses,the situation is not so good actually.The financing difficulty has become the bottleneck which restricts the development of underdeveloped small and micro businesses,which affects the booming of small and micro businesses and regional economy seriously.In the survey,we visited the Bureau of small and medium enterprises of Jiangxi Province,Commission of Industry and Information Technology of Fuzhou City to know the development situation of small and medium enterprises of Jiangxi province and the new related data.In the analysis of the general situation of small and medium enterprises of Jiangxi province,we found: As a whole,the capital volume of small and medium enterprises of Jiangxi Province is small and has no good foundation.The financing difficulty is a big problem.From the perspective of districts,the comprehensive power of small and medium enterprises in Nanchang,Jiujiang and Ganzhou is rather better than other cities.Besides,the profit is higher in Yichun,Ji'an and Pingxiang.From the view of industry,the growth rate of light industries is higher than heavy industries.From the view of influence on the whole province's economy,the proportion of increase value of small and medium business below the designated size in GDP is about 4%,while the business above the size is 33%.In all,the proportion of small and medium enterprises in GDP is low.And compare with other six central provinces,the primary operating revenue,the increase value and the growth rate of total pre-tax profits of Jiangxi province is in the middle level.At the same time,The article takes the small and mirco businesses in Nanchang,Jiujiang,Ganzhou,Fuzhou of JiangXi province as the respondents,issue 360 questionnaries and get 310 vaild questionnaries back.Through SPSS19.0,we used the descriptive statistic and factor analysis.Then we analyze the performance and reasons of small and micro businesses' financing dilemma from three aspects: enterprises themselves,financial institutions,national policies.The study founds that the financing dilemma mainly behaves in lacking of effective collateral and single financing channel,if from the perspective of enterprises themselves.While from the view of financing institution,the dilemma mainly behaves in the high interest rate and information asymmetry.And from the perspective of macro environment and policy,the financing dilemma mainly behaves in the insufficient industrial policy support and the unsound credit system.When we did principal component analysis,we found that compares to the factors of enterprises and the factors of financing institutions,the macro environment factors has a bigger influence on the small and micro businesses financing dilemma.To solve the financing dilemma,based on the survey data and analysis conclusions,the article gives some suggestions from three aspects as above mentioned.The enterprises should build the modern enterprise system,improve the credit position and enrich the channel of information disclosure.And the financing institution should strengthen the level of financing services and promotes the innovation of finance products.What ‘s more,the government should take sweeping measures to introduce policies towards the development of small and micro businesses,build the financing service platform and sound credit system,and make the private loans reasonable and institutionalized.