Exploration And Practice, Development Of Financial Support For Sme Financing Problems

To develop Small and medium-sized enterprises (SME), one fundamental issue to be addressed is to ease the difficulties for the SME financing. The default of the SME credit market is the major cause for the loan inefficiency of the SME. To support the development of the SME, the core issue is to eradicate this default. Standing on the ground of development financing, through an analysis of the current SME financing situation, and also based on the causes for the default of the SME credit market as well as the successful experiences of the overseas market, the essay will illustrates the unique advantages of development finance institutions on constructing SME financing environment. And then, from the perspectives of addressing the government inactivity, the default of the financial system and the SME credit, the essay further raises the specific measures for exerting the advantages of development finance institutions so as to solve the SME financing problem. Finally, through the study on a typical case, the thesis will examine the effectiveness of the measures for the support on the SME financing to be provided by development finance institutions, and the future orientation of development finance institutions.This thesis is an experimental study through combining development finance institutions and SME financing into a unified framework. It is hoped that this article will lead to more intensive discussions about the relationship between the further promotion of development finance institutions and the solution to SME financing problems.