The Reseacrh On The Porblem Of Small&Micro-enterprises’ Financing

Small micro business financing difficult question has been the focus ofattention from all walks of life. The purpose of this article is to find theprimary cause of small micro business financing difficulties, build a targetedmechanism and solution.To achieve this research objective, this article inabsorbs2011Jiangxi folk lending situation and question survey and2012small micro businesses in Jiangxi province folk financing report usefulexperience, on the basis of further improve the questionnaire design andinvestigation method， continue in Jiangxi province to collect374questionnaire data, and more than10cases of depth interview data, providesthe writing of this article is quite solid empirical basis.Based on these data and the data and related literature, this study foundthat:(1) small scale of small micro businesses in Jiangxi province;85%of smallmicro business had borrowing experiences, with48.6%of the small microbusiness financing is used for the initial venture investment, suggests thatfinancial support is important for the development of small micro businessesin Jiangxi province.(2)55.4%of the small micro business rely on borrowedfrom relatives and friends people money financing, financing to formalfinancial institutions is less, is very difficult to admit and most small microbusiness financing, financing is particularly difficult to formal financialinstitutions.(3) The root cause of the small micro business financingdifficulties lies in innate ability insufficient credit and the day aftertomorrow has damaged its credibility.Therefore，should break through the small micro business financingdifficulties, need to build a “trinity”(government, financial institutionsand small micro businesses) of the guarantee mechanism of small micro businesscredit ability to cultivate, especially between priority to the developmentof all-round and multi-level small micro business of mutual guarantee system.