Research On Financing Problems Of Small And Micro Enterprises

At present,the international community has generally been for small and micro enterprises for the important role of socio-economic awareness,our country is also for small micro-enterprise development and survival increased attention,so small micro-enterprises have become an important role in the economic arena The Small and micro enterprises is to adjust the economic development,stability and social harmony of the activists,it can play a role in the community to increase employment opportunities,and in the economy can produce a positive overall economic structure and other positive effects,the existence and development of small micro enterprises for the community Economic progress has made a contribution can not be ignored.At present,China’s market economy has entered a stage of transformation,for the economic vitality and the continuous emergence of high-quality enterprises have a need,coupled with the state for small and micro enterprises attention,the state has introduced a lot of policies to encourage innovation and entrepreneurship,to the emerging industry Emerging and traditional industries continue to provide more opportunities for innovation.And how to develop their own small micro-enterprises has become the focus of attention.For small micro enterprises,the funding problem is the main problem of enterprise operation and follow-up development to expand the scale of reproduction.Due to various external environmental factors and internal factors,the financing problem of small and micro enterprises has not been solved,and the shortage of funds has limited the enterprise The scale of operation.In the context of "two abilities",the government has introduced a policy to help small micro-enterprise financing.At present,the appeal has been spread throughout the land of the motherland,but it is still necessary to intensify its implementation.With the development of science and technology,China’s financial industry has a lot of breakthrough innovation,the traditional financing model and the emerging Internet technology combined to get more new financing channels,while the traditional financing institutions,such as banks,The system "on the net" in order to provide small and medium enterprises to provide more quality financing services,but the financing threshold and guarantee requirements and small micro-enterprise itself,so that the majority of small micro-business or for the funding problems running around.This paper is to let small and micro enterprises to understand their own problems,find ways to improve,and at this stage dazzling financing options to find the most suitable for their own optimal solution.The theoretical knowledge and practical application of the combination of outstanding achievements,reference to various domestic and foreign academic literature,journals,writings and other outstanding achievements,the basic theoretical knowledge and the important The data are analyzed and utilized,so as to explore the research background,the financing channel,the present situation and the existing problems of the micro-enterprise and so on,and through the framework of the article to systematically integrate,so on the basis of objective and accurate To facilitate readers to read.This paper analyzes the financing difficulties of small and micro enterprises in the form of questionnaires,and expects to analyze and summarize the reasons for the financing difficulties of small and micro enterprises.At the same time,select X commercial bank as the research object,and analyze the actual situation of the financing of the small and micro enterprises.Through the combination of empirical analysis and logical deduction,the general trend is deduced from the local situation,so that readers can more profound understanding of the study of ideas and significance,and applied to practice to learn.Finally,this paper also studies the improvement strategies of small and medium enterprises financing problems,from the perspective of enterprises,governments,financial institutions,can do whatever they can do some solutions.Hope to the relevant departments and institutions to provide some reference value.