The Influence Analysis Of The SMEs' Financing Caused By The Development Of Chinese Finance Structure

It is an old international topic to develop the Small and Medium-sized Enterprises (SMEs) energetically. The problems of the SMEs have important strategic meanings to the social stabilization and development in the various countries or area. At present, on aspects of creating more occupations, increasing income, making our society more stable and optimizing industry structure, the SMEs have significant functions. The important function of SMEs and position in the economy are more and more obvious. The SME is becoming the focus of the economic system day by day.This thesis firstly clears the correlative conceptions, puts forward the standards of scientifically defining SMEs of our country, and synthetically analyzes the present basic theories of enterprises financing. Then this thesis carries our comparative analysis on international experience of the financing of SMEs. Then it defines what finance structure is used in the thesis. On the basis of this concept it analyzes how Chinese finance structure develops and what its characteristics of the development are. Through above-mentioned analysis, the thesis finds that the structure of our country is unbalanced, that is the SMEs' financing of our country followed the single structure system of taking the government as the leading, national banks as the main body and indirect financing as the dominant part. Then the thesis further analyzes the affects on enterprises financing brought by it. The unbalanced finance structure brings the SMEs bottleneck, doesn't help enterprises build up effective corporate governance.Aiming for the hard financing problem of SMEs, the thesis puts forward constituting the multi-arrangement financing system, that is strengthen SMEs' quality , perfect banking service system, make finance innovation continuously, construct SME multiplex security system, promote the credit guaranty system, construct the financing system of normal finance and folk finance which are mutual supplement. Through above-mentioned financing systems, they may wider the source channels and solve the financial problems confronted by SMEs.