Ningxia Small And Medium-sized Enterprise Financing Research

China’s small and medium enterprises accounted for more than90%of the total number of enterprises, its output value accounted for the proportion of GDP reached58%, most of which in the county, play a decisive role in promoting the social stability, full employment, balance development. The sustainable development of small and medium-sized enterprises, related to the transformation and upgrading of the stability of China’s national economy and the economic structure, have global significance to our country modernization. In recent years, although the state has adopted many measures in policy is to give a lot of support, but the difficulty in financing is still an important factor to hinder the development of small and medium-sized enterprises in china. Many factors influence the financing of small and medium-sized enterprises, can be said that the financing difficulties of SMEs is a worldwide problem on one hand, the small and medium-sized enterprise due to its own characteristics: small size, high risk, low credit, the direct cause of the SMEs financing difficulties; on the other hand, capital as a special commodity, financing scale the small and medium-sized enterprise relatively large enterprises is small, so the cost of borrowing will be relatively high, this indirectly caused the financing difficulty of small and medium-sized enterprises. Therefore, the financing problem of small and medium-sized enterprise development research has great practical significance:first, is conducive to the further development of the growth of small and medium enterprises; second, help to alleviate the pressure on enterprise funds; third, help to promote stability and development of the national economy for small and medium enterprises, the main exogenous financing channel is equity financing and commercial bank loans but the present our country small and medium-sized enterprise small and medium-sized plate only Shenzhen and the GEM Listing Financing of the listed requirements, and higher. For more small and medium enterprises, bank loans may be the convenient way of financing. Our country commercial bank financing of small and medium enterprises biggest worry is that the small and medium-sized enterprise financing risk is relatively large, but the financing difficulties of small and medium-sized enterprises will directly lead to the financing structure unreasonable phenomenon. So the study on the structure of financing of small and medium-sized enterprises in China, analyzes the influence factor of the financing structure, we can understand the origin of the financing problem of small and medium-sized enterprises. According to the conclusion of the study, we can promote the financing of small and medium-sized enterprises through specific measures, broaden the financing channels for small and medium-sized enterprises, has a strong practical significance.This paper serving small and medium enterprises in ningxia area as the research object, first of all from the background of research, then emphasis elaborates the relevant theories of smes and their financing structure, then analysis the present situation of small and medium-sized enterprises in ningxia and constraints, and then analysis, sample survey in ningxia area small and medium-sized enterprise financing situation, and then studies the small and medium-sized enterprise financing structure is not balanced the causes of problems, finally puts forward the countermeasures to solve the problem of small and medium-sized enterprise financing structure unbalance.