Research On Financing Of Small And Medium-Sized Enterprises In Rural Areas Of ZaoZhuang

The development of small and medium enterprises in rural areas is an important part of local industry.It is an important means to promote industrial transformation and upgrade,boost the precision of poverty alleviation,and improve the level of local economic development.It plays an important role in enriching the form of local economy.At present,there are some difficulties in the development of rural small and medium-sized enterprises,especially the difficulty of financing.To solve the financing problem is an important aspect to promote the sustainable development of the small and medium enterprises in rural areas,the intensive production and the formation of the industrial clusters,which will help the development of the rural economy and the times.Zaozhuang City,Shandong province has made great reforms in the layout of small and medium enterprises,industrial innovation,and market widening,which makes small and medium-sized enterprises have a better environment for development.At the same time,the short life cycle of small and medium-sized enterprises,weak market influence and other self factors have highlighted various problems in financing.Based on the above theoretical and practical considerations,this paper focuses on the financing problems and solutions of rural SMEs in Zaozhuang.This paper combines the financial theory(capital structure theory,credit rationing and generation mechanism theory,financial restraining theory,credit financing theory based on the relationship between banks and enterprises)to carry out qualitative analysis,empirical research and comparative study on the financing problems of small and medium enterprises in rural areas in Zaozhuang.Financing should be a financial process.According to extraterritorial experience,small and medium-sized enterprises are small in scale and concentrated in scope,and their financing mainly adopts social financing.At present,the number of rural small and medium-sized enterprises in Zaozhuang is increasing year by year.Investigation and research shows that more than half of the enterprises have financing difficulties.There are some problems,such as the incomplete property right identification of small and medium enterprises,the incomplete social service system of financial institutions,and the extermal problems of the market,as well as the single structure of the product,the backward management mode,the weak innovation ability and the unclear moderm ownership structure.With the successful experience of perfecting the legal guarantee system,perfecting the financial market support and credit guarantee system and making the scientific and reasonable financing policy,the solution of the financing problems of the small and medium enterprises in Zaozhuang should strengthen the support of the government departments,cultivate the healthy financial environment and speed up the construction of the small and meditun enterprises in the rural areas.Set up.