The Study Of Financing Problem Of Small And Medium-sized Enterprises Of Our Country

Difficult financing for minor enterprises is a world problem. It is also the hotpoint for economic research. China’s minor enterprises have long developmenthistory, its scale is enlarging and its influence is getting more important.The article find four reasons for minor enterprises financing which are:enterprise itself, finance mechanism, financing methods, government support. Thensummarize the corresponding suggestions. Minor enterprises have to strengthenfinance system building, build finance system for self limiting and enlarging, makesure steady, continued, coordinated development. As for minor enterprises, they haveto make enough effort on credit system in order to get bank financing. Credit is themost key evaluation factor for an enterprise. For bank, it is the most basic principle tofind a good credit enterprise, because credit is related to loan risk. Reforming thecommercial bank’s loan system is the main way for injecting power to minorenterprise. From the macroscopic environment and government supporting side, thesupporting from un-formal financing and the law protection has to be improved. Also,for minor enterprise, in order to maintain continued development, perfect legislationand completed law system is very necessary.