Analysis Of Financing Models For Smes

After joining WTO,the domestic and international economical trades environment has changed and our country market degree has enhanced, small and medium-sized enterprises(SMEs) because of its strong vitality and market competitiveness of rapid development. But SMEs generally face the financing difficult question, more and more to become the important attribution which restricts it to grow strong, and for theory and actual department widespread attention.I work in Sichuan SME(Scsme) Bureau, long-term attention to SMEs, particularly SMEs financing situation with the banks, guarantee corporation, and other financial institutions and SMEs had extensive contacts, understanding, been deeply SME financing predicament constraints, SME financing as well as the domestic and international situation and the recent showing of the new trend for the more systematic understanding.This article is for the purpose to present the existing financing pattern and these new endencies and to analyze trends in research to look for ways Sichuan SME financing solutions difficult to achieve better promote its faster development, and to make a positive contribution to build a harmonious Sichuan.First, this paper analyzes the Sichuan SME development status and characteristics, Discussion of speeding up the development of SMEs and the significance of SMEs financing causes.In recent years, with the market economic system gradually established, and support policies are constantly increasing, and the vigorous development of SMEs. SMEs has become the engine for economic growth, increasing revenues, increasing employment, invigorating the urban and rural markets, and safeguard social stability of the important forces. However, SMEs and large enterprises, it will have a capital shortage, and management, the low level of scientific and technological innovation ability, the quality of personnel is not high, the market competitiveness of weaknesses such as inadequate.What factors make SME financing? This paper analyzes the following reasons : SME financing laws and regulations and policy support system is incomplete; corporate finance banking channels are not open; listing of the securities market through direct financing is very difficult; SME credit guarantee system is not perfect. SMEs own shortcomings also constrains its financing.In a market economy conditions, the financing of enterprises is generally financed by endogenous and exogenous financing channels 2 to complete. Based on the domestic and international financing for SMEs different models and paths to choose, one by one analysis, as a Bangladesh village bank model, the United States and Japan SME financing, SME credit guarantee system, Jiangsu and Zhejiang SME membership MIGA, etc., as well as the advantages and disadvantages of these models for the analysis.How do SMEs solve the financing bottleneck for the SMEs to create more opportunities of development related to the development of SMEs direction.This paper tries from the governmental financial guarantees, credit guarantee system, SMEs themselves, such as different levels to make Suggestions.First, the government should perfect the supporting policies and measures; Second,open financing channels for SMEs, securities and banking the common development of enterprises . Third, establish and improve a credit guarantee system for SMEs; Forth,Sichuan is the formation of four members of the SME guarantee system; Fifth, strengthen self-construction in Sichuan SMEs, and enhance market competitiveness. In this study,I hope that based on a previous study, and the recent emergence of SME financing of the new model, According to the financing of SMEs constraints different bottles Drive was targeted analysis, propose solutions to SMEs in particular China Sichuan SME SME financing policy proposals.