Comparative Study On Solving The Financing Problems Faced By The Small And Micro Businesses In Our Country

Small and micro businesses effectively improved the economy system of our country, greatly enriched our people's material and cultural life, future more, it promoted our social employment. Small and micro businesses are playing a more and more important role in the social. But financing demand of small and micro businesses was never totally satisfied; the difficulty of small and micro businesses has been focused on for a long time, How to solve this difficulty has been a major problem related to the benefits of the country.Based on the difficulties of financing needs in the same industry which has different scale and management, this paper will quote two cases of detailed small and micro businesses. Because the wholesale industry basically belongs to the capital intensive industry, capital plays a key role in the process of industry rather than labors. One is the wholesale individual enterprises; the other one is composed of representatives of businesses. Both of them are facing the financing demand which resulted by the large number of enterprise funds and fund gap accounting receivable financing channels, so the limitation of two enterprises financing needs are long-standing. This paper will introduce some small and micro businesses. Theory analyze, case analyze and comparison analyze methods are adapted to discuss the financing difficulty of small and micro businesses in China. In the case analyze, this paper compares the different financing demand, chancel and dilemma of the small and micro businesses, besides, it also adapt foreign experience to make some suggestions to solve the finance difficult of small and micro businesses.Combining the major conclusion with case analyzes and foreign experience, this paper gives some advices. To solve the financing dilemma faced by small and micro businesses, we should start both from internal and external aspect. The internal aspect, small and micro businesses must proceed it selves and enhance the cohesion of the community to enhance the scale of strength. The external aspect, the reform of the financial system is the most crucial. The finance deepening work should be implemented step by step, propel the development of middle and micro scale banks, and encourage the innovation of financial products.