Solution To The Financing Of Small And Medium-Sized Enterprises Of Guangxi Forestry Industry

Forestry industry is an important industry in Guangxi, forestry SMEs occupies an important position in the Guangxi economy. But the financing channel of small and medium-sized enterprises of Guangxi forestry narrow, financing scale is insufficient to support the forestry development of small and medium-sized enterprises, financing difficult problem to be solved.Based on the investigation on Guangxi forestry enterprises, found that the current financing of Guangxi forestry enterprises including bank loans, capital increase Kuogu and borrowing in three ways. But in the financing practice, the existence of Guangxi forestry SMEs credit limit, short period and high cost of financing, commercial banks in the forestry policy of small and medium-sized enterprises support weakened etc.. This paper analyzes the causes of the problems difficult to Guangxi forestry financing of small and medium-sized enterprises, including several aspects, enterprise, bank, government, economy, and on the basis of the financing plan forestry small and medium-sized enterprises at home and abroad, tries to in Guilin bank as an example of the "cooperative development fund mode" for Guangxi forestry enterprise financing problem the breakthrough.The Guilin bank as an example of the "cooperative development fund" is the Guangxi Forestry Association and Guilin banks as co sponsors, the Guangxi forestry association is responsible for fund establishment and application and publicity matters, Guilin banks for loans matters according to the process, so as to solve the financing problem of small and medium-sized enterprises of Guangxi forestry scheme. By analyzing the risk factors on the development mode of fund and the feasibility of the Guilin bank cooperation, the cooperation development fund exists in the actual operation of the problems, and puts forward the related countermeasure. This paper think:should be strictly business membership standards and establish a benchmark enterprises to solve the problems, the information is not in-depth understanding of customers and banks to "pick easy credit" loan settlement enterprise long-term financing difficulties, should be through to the Forestry Association and other enterprises in the park to get information and pay attention to credit review work to solve the difficulty of investigation problem bank.