An Analysis And Strategy Research On The Plight Of The Financing Of The Medium And Small-sized Enterprises Under The Financial Crisis

SMEs are an important component of China's socialist market economy, it plays an increasingly important role during the development of economic and social stability in China. However, which hinders the strong development of small and medium enterprises is the financing problem. Actually, this problem of SMEs has existed in recent years, furthermore, the macroeconomic situation exacerbates the plight of SME's finance, especially from the world financial center - the U.S. financial crisis, the plight of SME financing problem deepened. Therefore, the study of how to break the impasse of the financing crisis on SMEs is meaningful and practical for both in the current economic situation and future economic fluctuations.This article firstly summarizes the research achievements of native and foreign scholars of how to solve the financing predicament of SMEs, and then describes the new problems emerge in SMEs'financing. After that, it analyzes the causes of the financing predicament. With the help of metering model, it analyzes the relationship between debit rate on asset and ROA, ROE, Cash earnings rate, the main business revenue growth rate, OPE, etc. Finally, it offers the strategies to handle this financing crisis. The strategies provided are mainly striving to develop products of Collective Investment of Trust and debt-to-equity swap planning for SMEs, it helps raising the credit level of SMEs and Solve the problem of excessively high debt ratio; Focusing on supporting credit guarantee on SME to provide good credit level, it will help SMEs to get debt from bank; Improving the export credit insurance, which effectively avoiding the risk of export trade and reducing capital return period of export enterprises; with the help of the government and the market, we can use "financial depression effect" in the context of China's economic thriving, the use of international funds effectively widening the path of SME's financing, and providing a new solution to SME's financing.With the rapid edevelopment of economy,private capital is increasing quickly,so a reasonable guide to private capital is very important.