The Government Of R City In S Province Is Involved In The Research On SME Financing

The problem of difficult and expensive financing for small and medium-sized enterprises has been long-standing in China.Especially since 2017,the domestic economy is in the period of transformation of development mode,international economic uncertainties are increasing,and most industries are depressed,which makes the operation of small and medium-sized enterprises more difficult,and the problem of difficult and expensive financing becomes more prominent.Small and medium-sized enterprises are the main force attracting employment and the barometer of economic development.They play an irreplaceable role in maintaining social stability and rapid and healthy economic development in various regions.In the face of this situation,the government needs to assume the responsibility to use the "visible hand" to adjust the financing structure of the market and optimize the allocation of credit resources.In R City,S Province,although governments at all levels have introduced a lot of policies to intervene in the financing of SMEs,there are still problems in the city,such as imperfect credit system and lack of specialized SME financing management institutions.There is still a long way to go to solve this problem.Based on the above problems,this paper examines participation in the financing of SMEs SMS in S and proposes the problems of participation in the financing of SMEs,analyzes the reasons and puts forward targeted solutions.The complete text is composed of five parts,the first part is the introduction,which presents successively the context of the subject,the goal and the significance of research,the comments of research to the country and abroad and the ideas and methods of research.The second part presents in detail the three fundamental concepts of small and medium-sized companies,the financing and the failure of the market,as well as the overview of the market failure theory,And exposes the point of meeting of the theory of the financing of small and medium-sized companies and of the failure of the market.The third part is the investigation on the current situation of S government's involvement in SME financing in S province.It mainly obtains data and information by issuing questionnaires and visiting relevant government,banks and SME employees on the spot,and summarizes the survey results.Through investigation,It is noted that the system of credit of small and medium-sized companies is not perfect,that the financial management of small and medium-sized companies is decentralized,the efficiency is insufficient,the financing guarantee institutions play a limited role,And the implementation of the policy of small and medium-sized companies is not strong.The fourth part of the existing problems targeted analysis of the causes,Because mainly of the insufficient strength of the system of credit to small and medium-sized companies,the management of the government Agency for the small ones and medium-sized companies are not in place,financing guarantee system construction is not enough,The control and the evaluation of the policy of financing are not in place,inter alia reasons.The fifth part proposes countermeasures to encourage the municipal government to intervene in the financing of small and medium-sized companies.Principal measurements include/understand the construction of a system of credit for the small ones and medium-sized companies,the construction of a center of financial services for the small ones and medium-sized companies,the construction of governmental financing guarantee system,the enhancement of the implementation of preferential policies for small and medium-sized enterprises and the strength of supervision and assessment,and the reference of the experience of governments at home and abroad.