| SMEs has played a crucial role in the national socio-economic development, with the deepening of economic globalization and the new economic revolution, its status is more and more outstanding. From the overall trend of the development of China’s market economy, SMEs are not only the primary force to promote the development of the national economy, an important carrier of achieving full employment, but also to promote social stability and reliable basis. Nay more, it also cenhancing the innovation capacity of the national economy, with the efficient operation of large enterprises, optimizing industrial structure, promoting regional balance, as well as to improve the quality of economic operation of the entire society. As of early2012, China has nearly48million small and medium-sized micro-enterprises, which accounting for more than99.3%of the total number of enterprises. Their contribution to GDP of more than60%,to the tax paid account of more than half of the country’s total tax revenue, they provide about80%of the jobs for the community each year. However, SMEs constrained by its own scale, and often showed significant vulnerability in the face of operational risks. Some people say that the advantages of SMEs is A good small boat U-turn, but found that it is these boat is most likely to fall apart in the rough. Because of small-scale, capital and the slightest sign of trouble, the rope will be looking at their funds set neck them breathless, such as08international financial crisis in the first half, China affected by the closure of various number of SMEs reached67,000. Therefore, the post-crisis era SMEs exactly how to get rid of financing difficulties, are not only to seek their own survival and development of SMEs in the current financial environment such a severe case,but also the country and the world economy a necessary condition for a full recovery. The article taking the financial ecological environment crisis era as the background, analysising the necessity of the existence of small and medium-sized enterprises in-depth, expounding its important role of SMEs in the economic development in a country, And carries on the investigation and Study on the actual situation in Anhui Province, put forward to promote small and medium enterprises out of the financial crisis haze, maintain its viability, specific financial support system embodies the meaning of existence.This article begins with a brief overview of the research purpose and significance, research status at home and abroad, research ideas, to indicate its value in theory and research direction. The author through the analysis of domestic and foreign literature, consider that SMEs play a very important role in a country’s economic development, but its attention by financial policy and its role in the economy is not consistent, especially its face in financing obstacles and discrimination is more urgent. Then, according to the after era of crisis, the financial ecological environment changes and the starting point, the author definite the SMEs, analyzes the necessity of the development of small and medium-sized enterprises in china; And expounds the strategic significance of SMEs in the economic development in a country through multi-angle, reproduce the Chinese SME development, highlighting this great contrast between the overall and the important role of the individual vulnerable position, in order to explain the necessity of constructing SME financial support system.then briefly introduce the practice of domestic and foreign related financial support for small and medium-sized enterprises, and according to the current situation of our country, building in line with China’s actual development needs financial support system of small and medium-sized enterprise framework. It should be pointed out that, the article said,"financial support" is one of the modern financial point of view of the broad concept, not only including bank loans, including credit financing, credit guarantee, risk investment,"the second" market, informal finance and government support policies. On the one hand, as for the internal SME financial support system, priority should be given to direct finance, by promoting the formation of capital to promote the purpose of commercial financial support; on the other hand, from the external point of view of SME financial support system, the need for good legal protection and support services system support. To study the financial support of the crisis era Anhui SMEs, it is necessary to "post-crisis era" for the study of Nature, at present,there is no consensus on the "post-crisis era":some one understood as "post-crisis era"; also write "post-economic crisis era"; expressed as well as directly with the "crisis". No matter what kind of expression,these all reflects the concern of scholars on current economic trends, also shows now the world economy has entered a special time when a different crisis--the global economy has experienced bottoming out to pick up, but when there are repeated, the outlook is unclear, it is mainly because of the inherent crisis cause or causes of the crisis has not completely eliminated, it may break out again at any time, even escalate. In this context, the Anhui SMEs financing bottleneck problems have become increasingly prominent:on the one hand, influenced by the reduced demand for exports, shrinking profits of small and medium-sized enterprises, which leads to the reduction of endogenous financing; on the other hand, the increasing financial risks, leading to financial institutions investment more cautious,"credit crunch" phenomenon makes financing the exogenous also becomes more difficult. On the double blow of such domestic trouble and foreign invasion, Anhui SMEs that rely on their own efforts are difficult to "breaking out", so we need to build support for small and medium-sized enterprises of Anhui financial in line with the characteristics of the times.The fifth chapter is the conclusion part. In basis of theory, analysis and empirical research on previous four chapters, the author pointed out that the Anhui SME financial support system with characteristics of crisis, we must start from three aspects:First, is to build a financial support financing supply system of small and medium-sized enterprises in Anhui. First, from the government level, should be to build bridges between the bank financing, the development of small and medium-sized enterprise project investment docking regularly, and the formation of scale system. At the same time, deepen the reform of the administrative system, speed up the transformation of government functions, to further promote the innovation of government management. Making comprehensive use of fiscal policy, monetary policy and industrial policy, and the "merchants" culture lead banks to optimize credit structure, actively adjusting the industrial structure, vigorously supporting with the ecological environmental requirements, high transparency of the small and medium-sized enterprise financing; For who does not comply with the requirements of environmental protection or industrial development-oriented small and medium enterprises as well as poor credit evaluation should be taken resolutely ban attitude to build good survival of the fittest competition in the market system. Second, from the perspective of financial institutions, it is necessary to deepen the reform of commercial banks to accelerate the introduction of joint-stock banks and foreign banks, innovation and financial institutions for SMEs to play the dominant role of small and medium-sized financial institutions; At the same time, integrating the local financial resources, actively developing commercial banks County branch, exploring the establishment of a financial holding company, promoting the study of industry investment fund, venture fund to guide the pilot, the state-owned capital fund; And actively building new rural financial institutions, rural cooperative banks, rural commercial banks, do a good job of pilot village banks, and strive to achieve new breakthroughs broaden the financing channels for rural; Speeding up the construction of guarantee system, focus on small and medium-sized enterprises and county economy, coverage of the province of a secured network, reducing the guarantee rate, simplify procedures, and actively expanding the security magnification. Second, we should construct Anhui SMEs financial support legal security system. To note here is that laws and regulations are not the introduction of better, but to be developed according to the reality of the development of regulations and effectively protect the interests of SMEs. The author do not recommend Anhui province to make too much of the supporting regulations of laws and regulations, its not only can not help to small and medium enterprises, but to the survival and development of their trouble. Here, the author suggest to start from the following two aspects:First, the strict implementation of relevant laws and regulations promulgated by the central ministries, truly the law must be strictly enforced, and violators are prosecuted; two is to work with the regulations, flexibly formulated in accordance with the characteristics of Anhui act. Third, establishing a financial support system for SMEs in Anhui auxiliary service system. Proposed three aspects:First, multi-level to build Anhui SME financing platform; second is to accelerate the construction of Anhui intermediary services for SMEs; Third, to improve the small and medium-sized enterprise credit system. |
PDF Full Text Request