Research Of Financing Difficulties Of SMES In Sociological Vision

In the world,no matter what the national character is,no matter at what stage of economic development,no matter how complex the internal situation is,the SMEs as a economic unit, all played a significant role. SMEs, as the country's taxpayers, the backbone of society, are responsible for the creation of wealth, social stability, the burden of developing countries. Specifically, the special role of SMEs is not only provide employment opportunities and create social wealth, but also a large enterprise reform and development of an important foundation, to expand exports and increase local revenues ,so it is powerful. However, our country is in economic reforming and economic restructuring period, the overall living environment for the development of SMEs is not optimistic.For bear such burden SMEs's financing become a worldwide problem. This problem arises from the contradictions between the financing needs of SMEs and its financing environment. Small business development is also fast growing, purchasing, production and marketing and other aspects need a lot of money to maintain the operation. On the other hand, the development of SMEs themselves is still immature, mainly manifested in the earnings table is not perfect. Most small and medium enterprises's "grade" is relatively low, the quality of employees is not high, many for the simple processing enterprises, there is no technology content, not potential, the industry is also focused and simple. Our conditions for SMEs need to be strengthened. Meanwhile, the financial environment surrounding of SMEs is not optimistic. As the financing of SME Bank is another important subject, strong sense of administrative examination and approval procedures cumbersome strict sense of service and other shortcomings of the lack of financing for SMEs has brought more obstacles. As an important intermediary in the security sector in China is to grow the system without soil, the strength is too thin to lead in security requirements of enterprises and banks overlap, forming a bear without security situation. Therefore, financing has become a serious bottleneck restricting the development of SMEs. World Bank International Finance Corporation in 2000 a survey of SMEs in China forty-one percent of that lack of funding is the most important factor for enterprise development.Economics in difficulties of financing for SMEs is very extensive. Compared to other theories order theory of financing and funding cycle theory,credit rationing theory and transaction cost theory and relational theory of credit is more representative. But whether it is "financial order theory" or "financial cycle theory", the basic premise is the principle of the efficiency of market allocation mechanisms, and the development of China's financial market is not mature, so it was not fully applicable to SMEs in China's national conditions. Credit rationing theory and transaction cost theory, are missing from the perspective of corporate credit to start and did not take into account the business in which the system of social relations and the macro environment on the financing process. Relational ability of the business credit is not rigidly adhere to provide qualified financial information and collateral, and thus most suitable for SMEs. Relational proposed credit factors into the social network, is a relationship between banks and enterprises have involved a new institutional arrangements, financing difficulties for the study provides a new perspective. Compared with economics, sociology, financing difficulties of SMEs rare, it is worth mentioning that the school of social network the financing difficulties of SMEs to lay a solid foundation, and provides a new perspective, but their research mainly concentrated in the bank-enterprise relationship, in essence, more emphasis on the personal network of micro-behavior. I believe that the business relationship in which the network also includes the main object of this agency, and involve a network of personal finance, the Government of factors, such as macro-institutional environment. School system to make important contributions to economic sociology, financing difficulties for SMEs to provide a new theoretical perspective, unfortunately, Neo field of study focused on non-profit organization, financing for SMEs has not been fully research. This article is based on sociological perspective, after investigation and case study, the first summarizes the financing difficulties of SMEs within the three conflicts of economics research, and social networks of schools and school systems based on, from a system perspective and network perspective, according to the micro view of the explanation from the logic of trying to cause financial difficulties for the three main obstacles to theformation of a sociological explanation, the combination of meso and micro, and then propose solutions to the plight of suggestions and strategies.