The financial situation of Chinese enterprises
Minor Enterprises Financing Problems Research
Abstract
Small and medium-sized enterprises in China's economic and social development plays an irreplaceable role in financing, but weak asymmetric position, financing constraints have become a bottleneck restricting the development of SME.
Small and medium-sized enterprises in China's economic and social development, in the adjustment of economic structure, and the active market and increase employment opportunities, developing the local economy, increase the fiscal revenue plays an important role.
However, the problem of financing difficulty has been perplexing the development of small and medium-sized enterprises. At the same time, combine with the current financial crisis in the background, and analysis the problems of financing small and medium enterprises. SME financing in the direct financing channels are narrow, the financing cost and financing credit risk is high, low, affected by the policy of discrimination, social financial services not harmonious phenomenon. Learn about the causes of SME financing dilemma for many reasons, including small and medium-sized enterprise the inadequacy of oneself, financial institutions, small and medium-sized financial institutions monopoly, the lag of development, to protect the development of laws and regulations are not perfect, the capital market is not perfect etc.
To solve the problem of financing SME, government needs to learn foreign experience, improve and implement the financial support for SME, the establishment of SME credit guarantee system. This paper analyzes our country small and medium-sized enterprise financing present situation, elaborated our country small and medium-sized enterprise financing for a variety of reasons, finally to alleviate the financing difficulties of SME in China problems countermeasures and suggestions.
Key words: small and medium-sized ，enterprise loan financing ，credit
Introduction Minor enterprises take
Abstract
Small and medium-sized enterprises in China's economic and social development plays an irreplaceable role in financing, but weak asymmetric position, financing constraints have become a bottleneck restricting the development of SME.
Small and medium-sized enterprises in China's economic and social development, in the adjustment of economic structure, and the active market and increase employment opportunities, developing the local economy, increase the fiscal revenue plays an important role.
However, the problem of financing difficulty has been perplexing the development of small and medium-sized enterprises. At the same time, combine with the current financial crisis in the background, and analysis the problems of financing small and medium enterprises. SME financing in the direct financing channels are narrow, the financing cost and financing credit risk is high, low, affected by the policy of discrimination, social financial services not harmonious phenomenon. Learn about the causes of SME financing dilemma for many reasons, including small and medium-sized enterprise the inadequacy of oneself, financial institutions, small and medium-sized financial institutions monopoly, the lag of development, to protect the development of laws and regulations are not perfect, the capital market is not perfect etc.
To solve the problem of financing SME, government needs to learn foreign experience, improve and implement the financial support for SME, the establishment of SME credit guarantee system. This paper analyzes our country small and medium-sized enterprise financing present situation, elaborated our country small and medium-sized enterprise financing for a variety of reasons, finally to alleviate the financing difficulties of SME in China problems countermeasures and suggestions.
Key words: small and medium-sized ，enterprise loan financing ，credit
Introduction Minor enterprises take