Research On Financing Difficulties Of Guangdong Provincial Government’s Rescue Of Private Small And Medium-sized Enterprises

The financing difficulties of smes have always been a worldwide problem.According to the 2022 Environmental Assessment Report on the Development of smes,the first and second tier cities led by Guangzhou and Shenzhen have introduced a series of policies to encourage and support the development of private smes and solve their financing difficulties.For example,Guangzhou is oriented to technology-oriented smes.The intellectual property financing model based on the whole life cycle of enterprises is built to improve its financing efficiency and solve its financing problems.Although Guangdong Province,represented by Guangzhou and Shenzhen,has made a series of efforts to rescue the financing difficulties of private small and medium-sized enterprises and achieved certain achievements,this policy only benefits the small and medium-sized enterprises of science and technology,and has not yet introduced effective policies to solve the financing difficulties of other private small and medium-sized enterprises.Specifically,in the process of solving the financing difficulties of private small and medium-sized enterprises,it is necessary to include the joint efforts of private small and medium-sized enterprises,banks,financial institutions and the government,among which the government plays a key leading role.Therefore,based on the perspective of the government,this paper studies the financing difficulties of the Guangdong provincial government in bailing out private smes,focusing on the problems,causes and countermeasures in the government rescue.First of all,there are problems in the government bailout,which are mainly manifested in three aspects: unfavorable government coordinated guidance,low enthusiasm of financial institutions,and weak credit guarantee effect.The second is the cause of the government bailout problem,pointing out the government to build the financing environment of small and medium-sized enterprises related policies and regulations are incomplete,the government to guide financial institutions to serve small and medium-sized enterprises financing policy and the government to promote the construction of small and medium-sized enterprises credit guarantee system lag behind three causes;Finally,the strategy of Guangdong Provincial government to relieve the financing difficulties of private smes is proposed,which includes three aspects: improving the legal and information environment of financing of private smes,guiding financial institutions to consciously serve the financing of private smes,and establishing and improving the credit guarantee system of private smes.