Research On The Causes And Countermeasures Of Financing Difficulties In Small And Micro Enterprises

Small and micro enterprises are an important part of China's market economy,and even the pillar of the national economy.Small and micro enterprises play a significant role in ensuring employment,promoting technological innovation and stabilizing economic growth,and are the main force in promoting economic development,increasing employment and stabilizing the healthy development of society.However,due to long-term imperfect economic market system,poor social credit environment and various shortcomings of the enterprise itself,small and micro enterprises do not enjoy preferential treatment in financing,even more stringent than other large and medium-sized enterprises," financing difficult,financing expensive" has become the most important bottleneck restricting the development of small and micro enterprises.At present,China's economy is at the bottom of the l-shaped period of economic downturn,is facing deep adjustment,weak recovery.At present,China's economy is in a period of deep adjustment,economic downward pressure,weak recovery.Facing the complicated and changeable difficult situation,how to resolve the financing difficulties of small and micro enterprises has become an urgent problem for the government and enterprises.Due to the problem of capital fracture in the process of enterprise operation,many small and micro enterprises suddenly closed down,small and micro business owners " run" at that time has become a hot topic.The financing dilemma of small and micro enterprises has been a major issue in-depth study of the community.Only by solving the financing problem of small and micro enterprises,can we fundamentally solve the biggest obstacle to the sustainable development of small and micro enterprises at this stage.Therefore,the research on financing difficulties and countermeasures of small and micro enterprises is a top priority.In this paper,through the investigation and analysis of the financing of small and micro enterprises in Yingtan,innovative products and financial services,ease the financing difficulties to promote the development of small and micro enterprises for the purpose of in-depth study and analysis of small and micro enterprises in the process of financing problems and solutions.This paper includes five parts: the first chapter is the topic,background,literature review and research ideas and methods of the introduction part,the second chapter is the summary of the relevant theories and concepts of small and micro enterprises,from the perspective of the concept and theory of cross integration,the relationship between the theory and financing and other concepts are summarized,the third chapter,mainly from various angles and field survey of small and micro enterprises in Yingtan city,the status quo of financing difficulties are described in detail.The fourth chapter carries on the sample interview investigation to the small and micro enterprises in Yingtan,has carried on the thorough analysis to the financing difficult position reason,the fifth chapter is in the analysis present situation and unifies the actual foundation,separately from the financing environment,the financial institution and the small and micro enterprises own three aspects,proposed the question solution way,helps the Yingtan small and micro enterprises steady development.