Under The Perspective Of Financial Service Innovation Of Small And Medium-sized Enterprise Financing Problems Research

After reform and opening up 30 years of development,our country economy has obtained great achievement,gross domestic product(GDP)is the second in the world.At the same time,the small and medium-sized enterprises in our country also obtained fast development,become an important part of the national economy.At present,our country small and medium-sized enterprises more than 99% of the total number of enterprises,in solving the employment and economic prosperity has played a significant role,is the foundation of promoting China's economic development and social stability.With the development of economy,the government and people for the development of economy as well as quality put forward higher requirements.Extensive pattern of economic development of the great consumption of non-renewable energy,also leads to the deterioration of the environment affect people's health.In order to improve the quality of economic development,the government and many enterprises to actively carries on the transformation and upgrading of industrial structure,to adapt to the new situation of market competition.Small and medium-sized enterprises due to their small size,less resources,weak internal financing ability,under the background of economic transformation and upgrading of industry in our country,small and medium-sized enterprises.The difficult problem of financing is small and medium-sized enterprise development bottleneck.To alleviate the financing difficulties of small and medium-sized enterprises,this paper studies the present situation and problems of small and medium-sized enterprise financing,through the financial service innovation to relieve the small and medium-sized enterprise financing difficult question.Article,starting from the theoretical analysis of the field research method primarily,and auxiliary method of literature research,summary and discussion method,through the use of the four kinds of research methods,effectively reflect the influence of financial service innovation for small and medium-sized enterprises financing,and on this basis,the research through the financial service innovation to activate social capital to promote small and medium-sized enterprise financing.Through the analysis,the study found in the current financial financing system,exist in the financing channels of small and medium-sized enterprises of the single high threshold,bank credit,financial financing and information asymmetry,and many other problems.These problems is the reality of small and medium-sized enterprise financing difficult problem,the current financial financing system it is difficult to meet the needs of small and medium-sized enterprise financing.Combined with the successful experience of international and China's actual situation,this paper puts forward countermeasures and Suggestions from the aspects of financial service innovation combined with financial institutions,governments and the reform of the enterprise itself,to explore the construction of open,fair and efficient financial financing service system.By building in a unified financial financing platform,platform and third-party credit rating agencies as the main body of the large-scale comprehensive financing platform,can make the small and medium-sized enterprises through the platform convenient for the funds needed for the development,alleviate the financing difficulties of small and medium-sized enterprise development problems.