Based On The Market-oriented Interest Rate Under The Condition Of Small And Medium-sized Enterprise Financin Problems Research

For a long time the development of small and medium-sized enterprises has been the financing problems, small and medium-sized enterprise financing difficulties, the single financing channel and financing environment is poor, seriously hindered the development of small and medium-sized enterprises. Among them, the more prominent problem, is the enterprise profit level of profitability, net assets scale and future earnings of limitation and restriction, the small and medium-sized enterprise endogenous financing scale obviously not enough to support its development, at the same time, due to the lack of relevant policies, makes the small and medium-sized enterprises also lack the enthusiasm of endogenous financing; And exogenous financing more difficult, the difficulties involved in the entire financial sector policy, system, mechanism and other issues.Shall see, however, with the deepening reform of economic system of our country, especially in the field of financial deepening reform, socialist market economic system gradually perfect, the interest rate marketization reform gradually mature. In recent years, in accordance with the first foreign currency, after first loan after deposit; First, big small short-term work after thinking for a long time, China’s market-oriented interest rate reform is steadily advancing.Interest rate marketization reform will have a deep impact on small and medium-sized enterprise financing. Through the transmission mechanism of interest rate liberalization reform effect is various:the first is the banking system, and the second is the bond market will be affected, also has gained great influence to the enterprise, in a word, under the background of the new financial reform, which small and medium-sized enterprises need to do to prepare to take the machine out of the plight of financing difficulties of reform is the research emphasis in this paper. To this end, the article is divided into five parts content:the first chapter basic research problem, put forward the research background, research significance, research methods and research results at home and abroad; The second chapter overview enterprise financing theory and the marketization of interest rate; The third chapter under the background of market-oriented interest rate’s influence on financial conditions; The fourth chapter has industry in Qingdao area on behalf of the significance of small and medium-sized enterprises for the empirical material, analysis our country small and medium-sized enterprise financing present situation and problems; The fifth chapter put forward under the background of interest rate marketization of small and medium-sized enterprise financing problems.