Research On The Loan Problem And Strategy Of SME

With the deepening of China’s market economy system reform, and obtained the rapiddevelopment of domestic small and medium-sized enterprises.But the proportion of small andmedium-sized enterprise held by financial resources is very low, because many projects areprofitable small and medium enterprises difficult to raise the necessary funds and cannot playtheir most on a large scale, small and medium-sized enterprise loan difficult phenomenon stillhas become our country an important problem of the construction of the socialist marketeconomy, affected the development and expansion of enterprises, but also restrict thecoordinated development of social economy in China.So, studying how to solve the problemof small and medium-sized enterprise financing difficulties, generally difficult to get bankloans in the current small and medium-sized enterprises, especially the reality of long-termbank loans is very important to the healthy development of national economy.This article through to small and medium-sized enterprise loan difficult problem and strategyof related literature review, based on the analysis of small and medium-sized enterprise loandifficult situation, to small businesses from their own reasons, argues relations causerelationship between government and enterprises and the cause of small and medium-sizedenterprise loan difficult for theoretical analysis, and using Logistics binary choice model ofinfluencing factors of small and medium-sized enterprise loan difficult quantitative analysis.In this paper, the main content is as follows: the first chapter is mainly about the researchbackground and research significance of the article, the main content of the article and theresearch methods and innovation.The second chapter focuses on the domestic and foreignliterature review related to small and medium-sized enterprise loan difficult problem.The thirdchapter analyzes the current status of small and medium-sized enterprise loan difficult, tosmall business loans from low coverage, it is difficult to obtain credit, low proportion of banklending and corporate lending rates high four aspects to analyze.The fourth chapter from theperspective of qualitative analysis of the cause of the small and medium-sized enterprises findit difficult to get loans from the bank, respectively from small businesses to itself, Banks andthe government to find the reason.Chapter5on the basis of qualitative analysis to liaoning province as an example, the small and medium-sized enterprise loan logit binary choicemodel is set up, based on the model of regression testing and marginal analysis, find out thekey factors affecting the current small and medium-sized enterprise loan difficult.Throughmacroscopic qualitative and quantitative analysis model, the reasons why many small andmedium-sized enterprise loan difficult problem, sorted by impact from large to small is asfollows: lack of long-term enterprise and bank credit relations, the government’s supportingpolicies for small and medium-sized enterprise insufficient insufficiency, the enterprise themortgaged property, the government discrimination in subsidies to small and mediumenterprises, small and medium-sized Banks too few can’t meet the demand of development ofsmall and medium-sized enterprises, enterprise management situation worse and viciouscompetition.Through the analysis of the model, the small and medium-sized enterprises lackof loan guarantees, loan interest rate is too high, and small and medium-sized enterpriseownership problem is not the main cause of the current small and medium-sized enterpriseloan difficult problem.Chapter vi conclusions and countermeasures in this paper.In terms ofcountermeasures respectively from small businesses to overcome difficulties, the coordinateddevelopment of Banks and enterprises and government corresponding support policySuggestions in three aspects.