The Research On The Financing Problem Of Small Andmedium-sized Enterprises In China During The Economic Transitional Period

Small and medium-sized enterprises in China’s economic and social development which plays an irreplaceable role in financing, but the weakness of the asymmetrical status, financing constraints constraints sme development has become the bottleneck. financing difficulties of small and medium-sized enterprises, not only because of the small and medium-sized enterprises and born to be congenitally deficient Financial institutions will be more willing to bank lending to the large and medium-sized enterprises, so the small and medium enterprises loan are difficult to use the market mechanism to solve the Problem.But our existing system is not sufficient to induce financial institutions for small and medium-sized enterprises to provide sufficient financing services. Financing predicament of small and medium enterprises, is widespread in the world. In the western developed countries, due to the perfect financial support system, active and developed financial market, perfect laws and regulations, make this problem has been more effective in relieving. The United States is a model to solve the financing problem, solve the financing problem, a lot of experience is worth learning, it not only to develop a series of institutional measures to support credit facilities for SMEs, but also by developing capital markets, to broaden SMEdirect financing channels, to reduce over-reliance on credit financing in order to ease the pressure of credit financing of small and medium enterprises, the funding gap faced by the maximum solution to the SME development process. In view of this, solve the problem of credit facilities for SMEs, the first to be targeted, the right medicine. But also to improve the multi-level capital market, increase the intensity of the direct financing of the vast number of SMEs in particular would like to take the GEM Dongfeng. Walking on two legs, in order to better solve the plight of the majority of SME credit facilities from the fundamental.But in our country the current special economic system transition period Because national financial support system and Related laws and regulations s still not perfect.So the financing problem is particularly prominent. Although the country and various financial institutions have recognized the importance of medium and small businesses and has taken a series of measures, but did not fundamentally solve the problem of financing difficulty of small and medium-sized enterprises. Therefore, study on the financing difficulties of SMEs in China and gives the countermeasure research has the important theory significance and the practical significance. To solve the problem of the financing difficulty, the government needs the experience abroad and bold as soon as possible andcarry out the perfect for small and medium-sized enterprise financing support measures, set up small and medium enterprise credit guarantee system. The following through the analysis of the present situation of the financing of small and medium-sized enterprises in China, this paper discusses the medium and small enterprises in China to financing the various reasons for the small and medium-sized enterprises in China to ease difficulty to put forward the various measures and Suggestions.