A Study On The Financing Dilemma Of Small And Medium Sized Enterprises

In the process of China's economic development,SMEs play an increasingly important role,according to the National Bureau of statistics released economic data in 2016,small and medium-sized enterprises in China to create the GDP accounted for 60%of enterprises,the number of enterprises accounted for about 97%of the total.Under the new economic normal,China is committed to further adjust the economic structure and change the mode of economic development,small and medium-sized enterprises want to survive and develop,is facing tremendous pressure,which financing has been the biggest factor restricting its development.In order to solve the financing difficulties of SMEs,the government and management departments have introduced corresponding policies and measures,in which the development of financial leasing is an important measure.Financial leasing is a new financing mode which combines financing and financial integration.It can also promote investment in the real economy when it helps enterprises to solve the financing difficulties.Compared with the traditional financing methods,financial leasing has the characteristics of simple procedure,flexible rental payment and unfixed lease scheme.Therefore,the financing lease has incomparable advantages in solving the financing difficulties of SMEs,and it also plays an important role in promoting the transformation of SME development mode and upgrading production technology.Tian gong conveyor belt manufacturing Co.Ltd.(hereinafter referred to as the "heavenly")is a professional manufacturer of high quality conveyor belt of small and medium-sized enterprises,in order to improve the production equipment and technology,and expand the company's production scale,so the decision from the Luoyang Zhuo heavy equipment limited company introduced a TB-0015 rubber vulcanization machine.At that time,the company faces the bank credit crunch and private financing difficulties,in order to solve the problem of shortage of funds,the final decision on the choice of financing lease is a new way of financing.This paper on the day of delivery with manufacturing lease financing case Co.,on the one hand,we hope to be able to small and medium-sized enterprises in China to provide free financing choice direction,in the application of finance leasing experience.This paper first introduces the Tian gong belt leasing project business process,and the results are analyzed;secondly,from the two angles of the lessee and the lessor,introduces they encountered in the case of the problems and Their Countermeasures of problems;finally,the case study of combination of how to effectively release the financing lease financing difficulties of small and medium enterprises put forward feasible suggestions,hoping to provide reference for the development of small and medium sized enterprises.