Henan Province Small And Medium-sized Enterprise Financing Structure Analysis

SMEs as an important part of Henan’s econmy,has increasingly become the backone force thatpromotes the development of social economy, At the same time also promoted the provincial technologicalinnovation, export, reduce the pressure of employment and other aspects of development. To build theCentral Plains Economic Area, stimulative Central Plains economy span type develops,need to support thedevelopment of small and medium-sized enterprises. However,the financing problems of SMEs in Henanprovince and the country,a worldwide is a difficult problem,financing difficulty, high cost of financing,financing risk has been restricting its development are the important factors. Province of article unionHenan is actual,from the present situation of the development of SMEs, analysis of the financingdifficulties of small and medium-sized Enterprises causes,as well as on the province’s economicdevelopment the main effect that causes, and attempts to put forward some solving financing problem ofsmall and medium-sized enterprises relevant strategies and suggestions.In this thesis, from the small and medium enterprises in Henan Province present developmentsituation proceed with, in its development achievement to be fully affirmed the premise, in-depth to thesmall and medium-sized enterprise development problems and inadequacy undertook comprehensiveanalysis. On the financing problem of small and medium-sized enterprises occupy the importance of statuson the basis of analysis, and then leads to small and medium enterprises in the current market environmentto seek development, should study and resolve the key problem is to broaden the financing channels, waysand obtain a stable sustainable financial support method. For a more in depth on the Henan province smalland medium-sized enterprise financing structure to conduct a comprehensive analysis, summarizes the interference of financing of small and medium-sized enterprises internal and external factors, and analysisto the present stage Henan province small and medium-sized enterprise financial environment from thefinancing needs of SMEs to still have certain difference, but the overall market system still exists anddevelopment retardation and drive, radiation, agglomeration force is not strong wait for a problem, theprovince’s economic soft environment just passable eventually led to the economic environment of Henanprovince development also should be optimized. In addition, the article also on domestic and foreignadvanced regions experience doing a positive reference. Finally, based on Henan province financingstructure of the concrete analysis, put forward some financing difficulties of proposed solutions, includingthe comprehensive promotion of small and medium-sized enterprises ’ quality, the establishment of SMEcredit system, increase a government to financing of medium and small businesses give aid to strength,reform of the financial institution for examination and approval and payment procedures, to furtherimprove the credit of small and medium-sized enterprises guarantee system. Through increasing pair ofmedium and small businesses of high-tech talent and technology promote enterprise oneself as well as tothe financial management level, through improve the level of information, establish share collaborationmakes clear property right of small and medium-sized enterprises and to increase the transparency ofinformation, and improve enterprise credit rating. By the financial institutions for small and mediumenterprises loan approval procedures and credit system reform, explore more in the development of smalland medium-sized enterprises of new measures for the administration of loans and credit evaluation system.Through the establishment of SME credit system to satisfy its to enter the capital market direct financingexternal demand. Through the strengthening of small and medium enterprise credit guarantee standardpolicies, laws and regulations construction, accelerate the establishment and development of privatesecurity agencies, through to encourage private capital to start commercial mutual investment guarantee agency, encourage enterprises in the same industry association founded common security company,normative guarantee capital injection mechanism, actively seeking new financing channels. Through theimprovement of guarantee mechanism of the tax preferential policies, promote the financial institutions toguarantee mechanism of the guidance and supervision, to strengthen mutual cooperation of mutual benefit.Suggested that when conditions permit, as far as possible to relax the financing of small and medium-sizedenterprises threshold, make laws to allow preferential policies, to small and medium-sized businesses a faircompetition environment. Through the promotion of small and medium enterprises of the direct market,expand the small and medium-sized enterprise mutual secured financing mechanism. However, the degreeof economic globalization is increasingly rising today, want to make small and medium enterprises inHenan province in the development and competition in the re-integration of financing resources and keepthe advantage of the position does not shake, this is only at the theoretical level of concrete practice, futurealso need to make unremitting efforts and exploration。...