Yanbian Area Smal And Medium-Sized Erterpiuse Financing Channel Eseearch

Yanbian area of small and medium-sized enterprises in the tide of reform and opening up has become an important support, the economic development of yanbian area in2012, the state of small and medium-sized enterprises implement main business income is169.1billion yuan, an increase of23.4%. Absorb the employees220000people. Accounting for84%of the total number of state employees. The small and medium-sized enterprises in the enterprise financing difficult problem has been plagued the development of small and medium-sized enterprises of the yanbian region’s biggest problem. Is a state of more than90%of the small and medium-sized enterprises are faced with shortage of funds. In2012, only10%of small and medium-sized enterprises get a loan from the bank. Through other ways to get loans can’t meet the needs of enterprise development. In this paper, based on the study of corporate finance related theory, compares the domestic and foreign small and medium-sized enterprise financing channel. And describes the present situation of small and medium-sized enterprises in yanbian, channel present situation, and then analyzes the problems existing in the yanbian area small and medium-sized enterprise financing channel. Such as: insufficient support and assurance development of financial institutions, the narrow financing scale, etc. Based on the above problems, this paper finally put forward to strengthen the construction of yanbian area small and medium-sized enterprise credit system, perfecting the financial management system, keep a good relationship with the bank, strengthen government support and so on.This paper first introduces relevant theories of small and medium-sized enterprise financing, to a certain extent that solve sme financing predicament is realistic; Secondly, analysis the foreign domestic small and medium-sized enterprise financing channels of research results and lessons learned; Again, the yanbian area, analyzing the current situation of the financing channels of small and medium-sized enterprises find the yanbian area small and medium-sized enterprise financing problems faced by the analysis of yanbian area small and medium-sized enterprise financing channel is narrow. Finally, based on the experience of domestic related research has been made, in combination with the actual situation of small and medium-sized enterprises in yanbian, solve the yanbian area small and medium-sized enterprise financing channel narrow asked, questions put forward targeted, practical and feasible countermeasures and Suggestions.