Research On Financing Scheme Of Small And Medium-sized Enterprises

For small and medium-sized enterprises,during the period of reform and opening up,a new turning point has been reached,and its position in the national economy has undergone significant changes.From the past,the sense of low presence has evolved into one of the main forces of economic development.Previously,SMEs can be said to be a group with a low sense of existence.SMEs can hardly contribute their own strengths in terms of economic development or optimization of economic structure.However,the opportunity of reform and opening up has given SMEs a chance of survival.Their influence in the economic development process is increasing,and more and more jobs are available.These are the positive effects that small and medium-sized enterprises bring to social progress.However,there are also many pain points for their development.Among them,the most prominent one is that financing cannot meet the development needs of enterprises.In the current economic situation,financing is difficult and high funding has become an obstacle to the development of SMEs.Of course,the government departments have also made certain measures to this end.Although various measures have covered all aspects of finance,law,etc.,there are still problems to be solved.The situation of SMEs' financing difficulties has not been completely improved.For all levels of government,major companies,and scholars in related fields,how to break the barriers to SME financing has become a focus of common concern.This article conducts research under the background of China's economic development and makes a reasonable and systematic analysis of the financing of many SMEs.The first step,review.That is,a comprehensive review of the existing research results on SME financing.The second step,depicting.It reveals the various status quo of SME financing,such as the cost,size,and the method of financing,and draws several major problems for SME financing: small scale,mode,high cost,and lack of efficiency.The emergence of these problems is not caused by a single factor.For SMEs,there are many deficiencies.Compared with large-scale enterprises,their personnel structure is simpler and the economic benefits obtained are not ideal.At the same time,the risk The control is also somewhat underpowered.For the outside of the company,the lack of related policies,the lack of maturity of the guarantee mechanism,etc.will all result in the difficulty of SME financing.In this paper,an S company in Shanxi,a small and micro enterprise,is taken as an example.Through inspection and data analysis methods,the company's current development situation and the pain points in financing are summed up,and a systematic analysis is then carried out.After doing a lot of work,the following dilemmas can be concluded: First,the financing scale is small,it is difficult to support the rapid development of the company;Second,the credibility is bad;Third,the financing awareness is conservative.Based on the above three major pain points,this paper has developed a reasonable financing plan after the analysis of the system.The program involves the rationalization of proposals from companies,governments,and financial institutions.For the enterprise,it should adapt itself to the development trend of the market economy and optimize its internal structure.For the government,it should play a role as a source to create an ideal environment for SMEs to finance;for financial institutions,it should be a targeted analysis of this enterprise group,and for them to create a superior financing strategy.