Wenzhou Small And Medium-sized Private Enterprises Financing Problem Research

In the past20years,"wenzhou mode" with its strong vitality and growing force created a miracle, givepeople left a deep impression. Wenzhou small and medium-sized private enterprises in the regionaleconomic structure in the dominant position, therefore, its rise and fall will directly decide the "wenzhoumode" can make greater achievements. Capital is the first impetus of the development of the marketeconomy, as the privatization, marketization reform pioneer and market economy important birthplace,wenzhou model of development, can say, no capital financing, there is no today’s wenzhou small business,there is no today’s wenzhou mode, so it is necessary to wenzhou small and medium-sized enterprisefinancing problem to do a thorough research and discussion.In this paper, at first the wenzhou small and medium-sized enterprises in the quantity and value onwere defined, and analyzes the present situation of the financing of wenzhou small and medium-sizedenterprises is equity fund still accounts for the largest proportion, folk financing than of relatively small,regular bank financial services in the private small and medium-sized enterprise financing structureoccupies more and more important position, bank loan growth. But in recent years the short-term folk loanextremely active, and gave birth to the large nominal do guarantee business, but actually engaged in capitalusury guarantee company, explain wenzhou small and medium-sized enterprise financing is faced with arare situation, on the analysis of the present situation of the financing based on the analysis of the presentfurther the financing of small and medium enterprises have difficulty is the crux of by the enterprise itselfcauses, bank financing channel is not smooth and lack of multi-level capital market these three aspects ofreasons. In the last chapter, emphatically put forward cracked the financing of small and mediumenterprises difficult countermeasure is to standardize and develop their own economic wenzhou mode, thesecond is to increase the small and medium-sized enterprise bank financing support and strengthen thecredit guarantee system construction, the wenzhou small and medium-sized enterprises in the capitalmarket financing prospects made some prospects.