Study Of Sme Direct Financing Problems

Renowned economist Schultz is famed with his bookmaking "Small Is Beautiful", and the social economy development increasingly support his foresight. Although people always pay attention to the powerful big-sized enterprises, urgently follow their enterprise idea and the management procedure, the people have forgotten a fact: These enterprises once were the small-and-medium-sized enterprises. By their nimble and highly effective, numerous small-and medium-sized enterprise, are not only play more and more important role in the social economy, moreover are affecting and changing our life in fact.The small-and-medium-sized enterprise is the liveliest department in one country's economy. In our country, along with the socialist market economy system establishing, the small-and-medium-sized enterprise has become the main strength to impel our country's economic development, also to optimize economic, start folk investment, expand employment and achieve the well-to-do society strategic target. Although the small-and medium-sized enterprise is acting an important role in our country's economic life, there are many problems in the process of its growth such as finance,talented person,management and so on, hard financing is the chief trouble。As "The Law of Small-and-medium-sized enterprise" implements for three years, the development external environment of small-and-medium-sized enterprise has a certain well changing, financing restricted factors still exist. According to an investigation indicated that, in our country 36.01percents' small-and-medium-sized enterprises figure they don't have stable financing channel, only 6.19percents'enterprises consider theirs financings are in good conditions. Base on the investigation of Shanghai 2,700 households small-and-medium-sized enterprises, 68percents are in the trouble of financing, 47percents stop production because of fund lack. Hard financing of small-and-medium-sized enterprise arouse the attentions of society.This article starts from the financing way and the efficiency analysis of the small-and medium-sized enterprise, show the present situation, search reasons, study international experience, discuss to establish effective small-and-medium-sized...