Research On The Solution To The Financing Difficulties Of Small And Medium Enterprises By Local Governments

Small and Medium Enterprises(SMEs)are the main force in attracting employment and a barometer of economic development.They have an irreplaceable role in maintaining social stability and rapid and healthy economic development in all countries.My country has built a good situation in which the state-owned economy is the mainstay and the various ownership-based economy develops in common.SMEs play an important role in the national economy.However,due to their inherent disadvantages and the characteristics of banks being "too poor and too rich and too rich",they can not obtain sufficient funds through market self-regulation and market failures have occurred in financing.Faced with this situation,the government needs to assume its responsibility to use the "visible hand" to adjust the market financing structure and optimize the distribution of credit resources.XT City,SD Province to establish an industrial city,the city has a large number of SMEs,financing,financing problems seriously restricting the development of SMEs,research and analysis of XT SMEs financing issues,study and solve countermeasures and suggestions of practical significance.Through five chapters on the status quo of financing for SMEs and the reasons for the difficulty of financing analysis,comparison of domestic and foreign advanced financing model,XT City to analyze the financing problem to explore,and further proposed that local governments crack SMEs financing problems countermeasures.First of all,it introduces the background of the topic selection,points out the purpose and significance of the research,expounds and summarizes the domestic and foreign relevant theoretical research,explains the research ideas and methods of this paper and other issues.Secondly,it introduced the relevant theories of the role of SMEs and government,introduced the definition of the SMEs at home and abroad,and defined the criteria for the division,pointed out the contact and differences between SMEs and private enterprises,elaborated the SME financing model and its characteristics,and analyzed the government's involvement in the financing of SMEs.Theoretical basis,and pointed outthat the government followed the principle of appropriateness in the process of intervention in the financing of SMEs.Thirdly,this paper analyzes the financing situation of SMEs in XT city,introduces the current situation and existing problems of SME development in XT city,starts with the current financing situation of SMEs in XT city,expounds XT city's exploration to solve the financing difficulty of SMEs in county area,Financing problems to be solved.In addition,by objectively analyzing the beneficial practices of improving the financing status of SMEs in the typical regions of the United States,Japan and China,and summarizing the experience and achievements they have made,it can provide reference for the local government to improve the financing status of local SMEs.Finally,on the basis of fully drawing lessons from the successful experiences of domestic and foreign governments in supporting the financing of SMEs,we should give full play to the role of government and further improve the financing policies for SMEs in XT by means of a series of feasibility measures such as creating a credit environment in the city and perfecting financing guarantee mechanism,To solve the financing problems of SMEs to provide advice.At present,with the economic normalization in our country entering a new normal,SMEs will become more and more the motive force for our economic development and undertake increasingly important responsibilities.Compared with state-owned large enterprises,SMEs have more entrepreneurial vitality and play an important role in promoting scientific and technological progress and technological innovation.At the same time,SMEs have the largest number of market economy systems in our country and are key to attracting employment and maintaining social stability Sexual function.Local governments give full play to their government functions,solve the financing problems of SMEs,and support the development of SMEs.They will promote regional economic development and maintain social stability.