Research On Difficulties Small And Micro Businesses Loansin Fuyu County

China’s national economy sustained, rapid growth trend in recent years, the quantity and quality of small and micro businesses are growing. At present, accounting for more than99%of total number of enterprises are small and medium enterprises, in20122011, the small and medium-sized enterprise army created accounted for GDP60%of the final product and service value, has played a great role in promoting economic development, promoting technological innovation, and expand exports, increase labor force employment. But the small and micro businesses compared with the large, medium-sized enterprises in the development process, affected by the internal factors and external factors, the development has been at a disadvantage. Especially the problem of small and micro businesses in the loan has become a great obstacle to the growth of the rapid development of enterprises. Although the China Banking Regulatory Commission and other relevant departments have issued many preferential enterprise policy, financial institutions in the county also increase the small micro enterprise support, release for small and micro businesses credit products, but the small and micro businesses in the county still believe that financial institutions to support is not enough, the credit product is not keeping pace with the times, not suitable for small and micro businesses development, mainly displays in: covering County bank or financial institution seriously unbalanced; the banks or financial institutions fund matching imbalance, total loans to small and micro businesses accounted for more than year after year rise too slow; the bank or financial service mode and means is too old, difficult to meet the development of small and micro businesses the characteristics of. In this paper, to find Fuyu County small and micro businesses to develop difficult, difficult loans, from the Fuyu County small and micro enterprise status and its loan to analysis, through the investigation and study to understand in recent years Fuyu County small and micro businesses in the growth rate of loans, loan size, loan types, loan and loan sources of satisfaction. To find out the causes of the difficult financing small and micro businesses in Fuyu County in the development process, analysis of two main small micro enterprise itself and the external, external mainly is carries on the analysis from two aspects of financial institutions and government. Then the research Fuyu county to increase financial support for small and micro businesses grow in intensity, and promote the economic development of Fuyu county.