Research On The Optimization Of The Financing Service For Small And Medium-sized Enterprises In Yueqing City Hall

Small and medium enterprises have great significance to promote the development of Yueqing economy, but the financing of small and medium enterprises in Yueqing is facing many difficulties:the financing channel is narrow, the market is not high, the financing ability is weak, the information is asymmetric, and the general lack of good corporate governance mechanism and so on. In addition, due to the banks and other financial institutions to small and medium-sized enterprise arisen, funding problems further restricted the development of Yueqing City, small and medium enterprises grow, in a certain extent, affect the Yueqing economic development. In view of the important position of small and medium enterprises in Yueqing City, it has a very important position in the development of local economy. So, it is very important to study the financing management of local small and medium enterprises in Yueqing.The main content of this paper is divided into five parts. The first part is the introduction, which mainly introduces the background and significance of the research, reviews and summarizes the domestic and foreign literatures, and gives a brief review of the core concepts of the paper, and points out the innovation points of this paper, introduces the research methods of literature research, comparative analysis and system analysis. The second part is the theoretical basis, this paper briefly introduces the public goods theory, credit rationing theory, market failure theory and relationship lending theory, etc., and points out the guiding significance of this paper. The third part is the analysis of the status quo of Yueqing municipal government in small and medium-sized enterprise financing management, mainly including the financing policy and management of local small and medium enterprises in Yueqing City, and find out that the government financing supervision needs to be strengthened. The fourth part is about the practice and experience of domestic and foreign financing of small and medium-sized enterprise financing government management innovation, the domestic experience of Tianjin and Shandong two regions were selected, the experience of the United States, Japan and the European Union countries, and a brief summary of the summary. The fifth part puts forward the specific measures and suggestions of Yueqing municipal government to promote SME financing management innovation, specifically from strengthening government supervision function, establish a government led external financing compensation mechanism, improve the credit guarantee system of small and medium enterprises, perfect the supervision mechanism and the construction of small and medium enterprises credit management system, which is to solve the financing problems of small and medium enterprises.