A Research On Issues About SMEs' Financing From The Social Capital Perspective

Enterprise is the most valuable in the market, most individuals capable of creating value, and small and medium-sized enterprises in our country is one of the most dynamic economic development in the decades most creative factor. Xi 'an accounts for 97.63% of the number of small and medium-sized enterprises, absorbing employment personnel accounts for 62% of the employees, total assets and business accounted for 41.2% and 24.6% of the enterprises in the city, small and medium-sized enterprises become the important subject of economic development in Xi'an, to drive the Xi 'an region economic prosperity, social progress, promote technological innovation, optimize industrial structure, employment, and promote regional stability and convenient living in the city plays a positive role irreplaceable. However, due to the operation of small and medium-sized enterprises is not transparent, lack of collateral, enterprise development prospect is not clear, such as nonstandard management, coupled with information asymmetry, made in the development process of small and medium-sized enterprises face more and more serious funding problems.As economists to introduce the concept of social capital to economics to explain enterprise financing difficult problem, will influence factors such as social network, trust and norms into the problems of study, through the establishment of a social network, and establish a good social environment and social system to promote the exchange of information between financing subjects, build trust and reduce the risk of financing improve the efficiency of financing, then from the perspective of social capital, to solve the problem of small and medium-sized enterprise financing has come up with a very different way of thinking and solution, so for small and medium-sized enterprise financing to analysis from the perspective of social capital, the new instructions, makes every effort to find the way out to break through the financing difficulties of small and medium-sized enterprises is very necessary and meaningful.The paper includes five parts. The first part is the introduction which is about the research background, the research method, the drawbacks and the innovation. The second part is the relevant theory summary which reviews and summarizes the existing research results, and lays the basis for the research of the paper. The third part is the research design and organizing the survey which makes the questionnaire for small and medium-sized enterprises located in the research areas, with the purpose of accounting for the problems by means of practical cases. The fourth part is the analysis and summarization about the problems which are found in the questionnaire in the third part, trying to reflect the problems comprehensively. And the fifth part is the countermeasures and suggestions, which provides solutions and countermeasures on solving the difficulties in financing of small and medium-sized enterprises.