Research On SMEs Financing Problems

Since the reform and opening-up in the past 40 years,China's small and medium-sized enterprises have entered the high-speed development period,which has been an important force to promote the sustainable development of our national economy,especially in creating jobs,promoting technological progress,product innovation,maintaining social stability,promoting agriculture and rural economic development.At present,small and medium-sized enterprises all over the industry,of which there is a industry worthy of our concern,that is,animal husbandry,as a traditional agricultural country,in the process of comprehensively promoting the development of modern agricultural construction,animal husbandry as the central axis industry of agriculture,for the overall development of agriculture plays a vital role.However,in the development of small and medium-sized animal husbandry enterprises which exposed a lot of problems,such as the industry risk,epidemic prevention,environmental pressure and so on,the financing problem which many SMEs considered is generally considered to be the biggest bottleneck in its development.As China has been promoting the establishment of scale standardization farms,the demand for funds of small and medium-sized animal husbandry enterprises is increasing gradually,but it has the characteristics of small scale,less mortgage assets and higher operating risk,meanwhile,it has the advantages of large investment,low profit,long capital recovery period,backward production condition and Product price fluctuations,affected by the outbreak of large and other industries characteristics,resulting in its financing situation is not very optimistic.Therefore,it is of great significance to study the financing of small and medium-sized animal husbandry enterprises,to explore the causes of problems and to put forward pertinent suggestions for the healthy development of small and medium-sized animal husbandry enterprises.This article takes the financing theory and the related concept as the research tool,through the literature retrieval method carries on the elaboration to our country present small and medium-sized animal husbandry enterprise Financing present situation,then stands in the enterprise,the Bank and the financial organization,the government angle of view analyzes the financing problem source.Then introduce the case analysis of the typical small and medium-sized animal Husbandry enterprise STX Company in the layer breeding,firstly,analyze its financing base into industry background,internal control defect and financial condition,then summarize the financing problem and the source of financing problem based on the above basic analysis STX company.Finally,based on the above analysis of our country small and medium-sized enterprise financing problems and the study of specific case,the paper puts forward some suggestions on how to improve the financing of small and medium-sized animal husbandry enterprises.