Comparison And Selection Of Financing Methods For Small And Medium-sized Enterprises

In the rapid development of China's socialist market economy,a large number of small and medium-sized enterprises have sprung up to meet the diversified needs of economic development.Its role in the national economy is becoming more and more important,and its position is becoming more and more high.It is an important carrier for the implementation of mass entrepreneurship and innovation.Their good development is closely related to the problem of people's employment,as well as the national economic development and the distribution of national income,thus affecting the market economy of the main body of the society.The stable development.Optimizing and improving the living environment of small and medium-sized enterprises and increasing the support of financial and technological support are of great significance to the development of local characteristic economy and the development of social economy.However,at present,the survival and development of small and medium enterprises in China is difficult,and many small and medium-sized enterprises have shown positive situation at the beginning of their founding.In the latter few years,because of funds,technology and other reasons,they can not be supported,and go to the point of bankruptcy.Can the long-term development of small and medium-sized enterprises are familiar with.There are external environmental problems and internal management problems.But in these problems,the most important and difficult problem is financing.In particular,the financing problems of small and medium-sized enterprises in China are more prominent.A large number of small and medium-sized enterprises are on the verge of bankruptcy after financial shocks.In China's small and medium enterprises,most of them are proprietor management,emphasizing the unification of the right of management and ownership,the great gap of funds,and the lack of long-term stable sources of funds.No funds,enterprise funds can only have can't do anything,the enterprise to carry out business activities.The lack of funds seriously affects its innovation ability,and then affects its market competitiveness,the strength of the enterprise is not promoted,and a series of problems will be brought.A source of all this is lack of funds.We compare the financing characteristics of SMEs,analyze their characteristics and advantages and disadvantages,and put forward suggestions for choosing the best financing way for SMEs.This paper mainly solves the following problems:first,study and study the related theories of enterprise financing,understand the difficulties of mortgage loans and guarantee difficulties,narrow financing channels and other problems in the financing of small and medium-sized enterprises.Secondly,analyze the main questions present in the financing situation of small and medium-sized enterprises and find out these problems.The reasons behind the problem include the internal and external reasons of the enterprise;thirdly,to enhance the understanding of the main financing ways of small and medium-sized enterprises in China,compare and analyze the characteristics of financing methods through actual cases;finally,the most suitable suggestions for the financing methods of small and medium-sized enterprises are put forward for reference.