Investigation Report On The Current Situation Of Private Lending Financing For Small And Medium-sized Enterprises In Xingtai Area

As an important part of China’s national economy,Small and Medium Enterprises(SMEs)play an important role in stimulating economic growth,increasing tax revenue,promoting employment,and activating the market.However,financing issues have always been a roadblock for the development of SMEs.Although the State has continuously introduced corresponding policies to promote its development,the quality of problem solving needs to be improved.As the domestic economic income continues to increase,the wealth of residents gradually accumulates,so private capital continues to be abundant and seeks more investment channels.With the characteristics of simple operation and abundant funds,private lending can alleviate the financing pressure of SMEs to a certain extent,and it is favored by many investors because of its relatively high yield.From the perspective of supply and demand,there is a certain fit between SMEs and private lending,but in practice,it has been found that there are more and more disputes between SMEs and private lending.This paper selects the Xingtai area,where private lending is more popular,to conducts on-the-spot research,and hopes to understands the financing status and problems of local SMEs’ private lending.Judging the relationship between SMEs and private lending through the effect of local SMEs using private lending.From the perspective of SMEs to explore how to better promote the use of private lending by SMEs.This report consists of six parts.The first part introduces the background of this article and proposes the purpose and significance of the research.The second part is the design for the private lending of SMEs in Xingtai,which elaborates on the research objects,research process and research methods.The third part summarizes the research results,introduces the status quo of private lending of SMEs in Xingtai,and sorts out some existing problems.The fourth part,based on the in-depth analysis of the survey results,summarizes the research conclusions.SMEs use private lending to alleviate certain financing pressures,but also contain large risks.There is a correlation between the two.At this stage,SMEs will continue to use private lending for a long time in the future.Therefore,it is of great significance to explore how to achieve win-win cooperation between them.The fifth part,based on the previous analysis,puts forward corresponding suggestions in combination with the actualsituation,and guides SMEs to make better use of private lending,so as to achieve deep integration and win-win cooperation between the two.The last Part is some appendices.