Study On The Finance Gap In The Small/Medium-sized Enterprises

It is being widely recognized that the small/medium-sized enterprises (hereinafter referred to as "the S&M enterprises") are playing an important role in the economic development. In the meantime, their financing problem has become more and more serious. The article points out that with the rapid growth of China's economy, the S&M (especially the private-owned) enterprises have become a mainstay power in the ecomomic development. It is a fact obvious to all. But in recent years, the S&M enterprises have suffered a lot from the financial oppression. There are some barriers hindering their direct and indirect financing activities, especially their loan-applying from the banks. How to solve their financing problem and accelerate their development is a problem eagerly crying out for settlement. The precondition to handle the problem effectively is to find out its essential reasons. As stated in the article, the reason why it is difficult for the S&M enterprises to gain the loan lies in two aspects: the disadvantages of the S&M enterprises themselves and the credit-management system of the commercial banks. To ease the tension of the loan-applying problem of the S&M enterprises, it would be helpful to strengthen the loan risk management ability, to establish the loan S&M bank, and to accept some informal financial measures.Adopting the theoretical and case analyses measures, the article is divided into 5 parts:The 1^st part is to introduce the research background of the article, and discuss the definition and standard of the S&M enterprises.The 2^nd par is mainly to introduce some literature which throw light on the financing difficulties of the S&M enterprises.The 3^st part is to introduce the development conditions and finance sources of the S&M enterprises, emphasizing the status quo of the commercial banks' support to the S&M enterprises at present as well.The 4^th part is to analyze the reasons why the S&M enterprises often suffer rejection from the commercial banks.The 5^th part puts up some suggestions to solve the problems of finance difficulties of the S&M enterprises.