Research On Financing Problems Of Small And Medium-sized Enterprises Of Jilin Province

As an important part of the national economy of a country or region,SMEs have continuously increased their contribution to the national economy and have played an increasingly prominent role in promoting economic growth,increasing employment opportunities,increasing residents' income,and stabilizing the market environment.At present,the development of small and medium-sized enterprises is generally facing difficulties in financing and it is difficult to grow.How to promote the healthy,stable and rapid development of SMEs has been widely valued by governments of various countries and regions,and has become a topic of common concern in the academic community.The difficulty of financing for small and medium-sized enterprises is particularly evident in China's underdeveloped market economy.As a traditional old industrial base,Jilin Province has a high proportion of state-owned enterprises,and the development of small and medium-sized enterprises is not perfect.In the current economic transition period when the market decides resource allocation,the support of SMEs for the economic development of Jilin Province is becoming more and more important.The development process of small and medium-sized enterprises in Jilin Province is mainly faced with financing difficulties,and it shows obvious scale differences,industry differences and regional differences.This paper analyzes the development status of small and medium-sized enterprises in Jilin Province through comparative research methods,and believes that small and medium-sized enterprises in Jilin Province still have a lot of room for growth.Through the questionnaire survey of 176 small and medium-sized enterprises,further research on their financing status,financing needs and financing channels found that the main reason for financing difficulties and financing of SMEs is that they have a single financing channel,less fixed assets,and poor operational stability.Commercial banks are increasingly cautious in their operations.Combining with the actual situation of Jilin Province,this paper puts forward six suggestions: first,to stimulate private financing institutions to supplement existing financial markets;second,to improve financing policy financing institutions;third,to reduce the taxation of small and medium-sized enterprises;fourth,to encourage enterprises to improve financial management Fifth,accelerate the innovation of small and medium-sized enterprises;sixth,accelerate the establishment of a credit system.