Research On Medium And Small Enterprises Financing

Financing of SMEs is recognized as an international problem, especially in the current financial crisis,many small and medium enterprises closed down. It makes a great impact on National economic development, creating jobs, and social stability. In this case, means of financing for SMEs is more urgent. As a credit model, Network Security Plan is bank and network cooperation, based on B2B e-commerce, using network information disclosure and unlimited liability mechanism, builds Commonwealth, at the same time, Network Security Plan using "Internet censorship" and other measures to improve the small and medium potent Company fails to repay the cost of default, which greatly protect the banks. The features of Network Security Plan have no Collateral, all of these live up to SME absence of collateral. It is very important to solve the problem of financing small and medium enterprises .This paper pointed out that the constraints of financing of SMEs is the bottleneck of the information asymmetry between banks and enterprises and the defects in our security system, and then leads to the HSP network model of this new credit. By analyzing the characteristics and operation mechanism, the network can unprofor within the game between different organically linked to form an association game, in this case, to solve the problem of financing of SMEs by increasing the bank-enterprise without directly information symmetry between the degree of completion. On the one hand, for the banks, saving the cost of loan approval, but also in line with national policy support for SMEs; the other hand, SMEs, without providing collateral to obtain a bank loan funds to address their own Financing. Of course, as a new ways to operate in a specific process, inevitably there are some unexpected risks. Through research we found some problems and at the same times, proposed some strategy. We hope that all of these can make a positive effect on SME financing.