Study About The Impact Of Regional Financial Ecological Environment On Smes Financing And The Optimization Suggestions

The small and medium enterprises financing problem is a worldwide problem. Interms of size, the number of SMEs in China accounted for more than99%, providingmore than80%of the entire community jobs, improving people’s livelihood andmaintain social harmony and stability brought about positive influence; road from thestate to encourage innovation, the need to encourage small micro-individual level, thecorporate level do innovation activities, while the number of national invention patentswe have about70%of SMEs; from the perspective of economic growth, thecontribution of SMEs to accounted for more than60%, while government revenue ismore than50%of SMEs. From the perspective of corporate finance, the merits ofregional financial ecological environment affects the inflow and outflow of funds, thelevel of credit quality and reasonable allocation of financial resources, assets, thusaffecting corporate financing problems to solve.Firstly, based on the research of domestic and foreign financial environment forSMEs and financing related literature on the theory, this article describes the conceptand status of the two, and the financial environment and the impact of factors such asSME financing a detailed discourse analysis. From the systematic, scientific,comprehensive, actionable under the guidance and comparability principles, combinedwith the actual situation, initially selected16indicators in the economic base, localfinancial development, credit environment, government actions and legal environmentin five aspects of the region to build a preliminary evaluation index system of financialecological environment, then primaries to be typical evaluation and feasibility ofscreening, evaluation of regional financial ecological environment ultimately selectednine indicators established in this paper do empirical study variables. This paper isfocused on the SME financing problem. Combined to the theoretical and empiricalresearch, improve SME financing ecological evaluation system, enrich and developregional financial relationship between ecology and SME finance theory to explore theregional financial environment for SMEs the impact of financing, select the datarepresentative37cities in the financial environment, building regional financialecological environment system-related variables affecting small business financing forthe logistic regression model, providing empirical support and the theoretical guidancefor the optimization of the financing environment for SMEs. Finally, from theperspective of promoting SME financing starting, turn on the five regional financialecological environment, economic base, local financial development, governmentactions, the credit environment and the legal environment for local government services,policies and regulations to support SME financing and put forward some practicalproposals to strengthen financial institutions, financial services to SMEs to improvetheir ability to provide financing methods countermeasures.