Research On The Financing Difficulties Of A Company's Private Loan

China's small and medium-sized enterprises growth and development has gone through a process from scratch,from slow development to gradual growth.It has become a strong driving force for China's sustained economic growth,and has solved a large number of employment opportunities.It also provides important support for the growth of urban and rural collective economy and is an important force for China's economic development to achieve its current achievements.But as the environmental deterioration in the world economy as well as a trade war with China in recent years,the major developed countries abroad restrictions on imported goods in China,the development of small and medium-sized enterprises encountered difficulties,foreign need money demand more and more,choose folk lending this form is also more common,However,private lending,due to its characteristics of high interest rate and high risk,as well as its lack of legal standards compared with obtaining funds from financial institutions,often brings various problems to small and medium-sized enterprises and affects the development of enterprises to a certain extent.How to analyze the problems that private lending has brought to small and medium-sized enterprises and put forward some appropriate and feasible solutions has become an important issue in the economic field.This paper starts from the historical evolution,characteristics,advantages and disadvantages analysis of economic development,and analyzes the motivation of smes to choose private lending financing.In the account for A company as small and medium-sized enterprises of the private lending environment,combining the reality of A company,enterprise life cycle all relevant knowledge in each development stage of A enterprise from the gradually absorbed,large-scale use of private loans to finally bring to the company's financing predicament,and will these difficulties one by one analysis,find the reasons behind the problem.On the basis of the above,from the company's internal governance,financing operations and other aspects of some targeted solutions.This paper analyzes the plight of A company when it chooses private lending for financing,and then leads to the plight of small and medium-sized enterprises.According to the internal characteristics of small and medium-sized enterprises,this paper proposes some practical methods to help small and medium-sized enterprises find more sustainable ways on the development path.