Research On The Restrictive Factors Of Kunshan Medium And Small Enterprises’ Loan

Since the reform and opening up, China’s rapid development of small and medium-sized enterprises, has become an indisputable fact. But in its thriving development behind, we should also see the inadequacy of the development, small and medium enterprises financing constraints become constraining its development potential and the speed of the main handicap. From all kinds of study, although the bank credit financing of small and medium enterprises is willing choice, but this will only a few are met, endogenous financing is still the development of small and medium-sized enterprises the main source of funds. The small and medium-sized enterprise credit financing reasons in many aspects, such as many medium-sized and small enterprises financial system is not perfect, low management level, production is not stable, weak anti-risk capability, but one of the important reasons is unable or difficult to the right bank, measurement and assessment of small and medium-sized enterprise project risks, and make the corresponding correct decision making. Therefore, has always been to safety to the our country commercial bank loans to small and medium-sized enterprises to be cautious, there has been a long-standing " credit crunch" phenomenon. In some developed areas, although there are other credit, but loans are still the preferred. Therefore, selection of small and medium-sized enterprises is relatively important financing problem, have very important theory value and the practical significance.Based on this, this article in the county-level city of Kunshan as an example, the developed local small and medium sized enterprise loan restriction factors. Firstly, this paper explains the definition of small and medium-sized enterprises standards, credit to SMEs financing analyses the related theory, put forward to alleviate SMEs credit financing in developed areas the significance. This is the theoretical basis of this article. On the basis of taking Kunshan enterprise as sample to investigate, to recover the data of investigation and collecting relevant data collation, analysis system developed local small and medium sized enterprise credit financing present situation, a comprehensive summary of the developed local small and medium sized enterprises financing main performance, and points out that the developed local small and medium sized enterprise credit financing difficulty is caused by many reasons, both small and medium enterprises for their own reasons, and financing system, mechanism and other reasons, and from government, financial institutions, small and medium-sized enterprises level undertook thorough ground is analysed. And aimed at the small and medium-sized enterprise credit financing difficult problems, combined with the actual situation, put forward to alleviate the developed local small and medium sized enterprises credit financing countermeasure.