Study On Financing Problems Of Small And Medium-sized Enterprises In N City Under The New Normal Of Economy

Small and medium-sized enterprises are an important part of the economy of a country or a region.In recent years,their contribution rate has been increasing,and they are playing an important role in promoting economic growth,stabilizing employment,raising people's income and stabilizing the market environment.Since China entered the "new normal" of the economy,profound changes have taken place in the macro-economic environment,which are mainly manifested in the following aspects:economic growth rate change,structural transformation and optimization,kinetic energy conversion and international anti-globalization,which brings opportunities and challenges to the development of small and medium-sized enterprises.However,at present,smes generally face financing difficulties,making it difficult for them to grow.Therefore,it is of great practical significance to study the financing status of small and medium-sized enterprises under the new normal of the economy and explore the solution path to help them achieve sustainable and stable development under the new environment.Economy since entering the new normal,the development of small and medium-sized enterprise in N city greatly supports the local economy development,but the current situation is that small and medium-sized enterprises under the new normal is facing both the macro environment of economic downturn and the requirements of transformation and upgrading,which increases the demand of capital more than ever.As a result,financing problem is imperative.Based on the financing problems encountered by the development of small and medium-sized enterprises in N city,this paper mainly explores the relevant parties under the new normal of economy.Firstly,this paper introduces the concept,characteristics and importance of smes and the new normal of the economy,as well as the connotation,approaches,methods and relevant theories of financing.Secondly,this paper expounds basic situation and characteristics of small and medium enterprises in N city,in terms of tax and fee reduction policy,increasing financial support,innovation-driven strategies and excess capacity,poor financial environment Angle,and analyzes economic opportunities and challenges brought by small and medium-sized,enterprise financing in the new normal.This paper also analyzes the existing problems of small and medium enterprises financing N city channel narrowing,cost,and high threshold in different levels of small businesses,financial institutions,policy environment,legal system.Again,based on the problems caused by different levels,this paper puts forward corresponding advice,specifically,adopted and diversified financing from small business level,degree of ascension to the attention of the credit,make enterprise financing support community initiatives,from the aspect of financial institutions to enrich financing products,is presented in this credit rating,optimization of loan policy initiatives,from the government service level of government,bank and enterprise is put forward of the docking,perfecting the guarantee system,promote enterprise use of capital market,accelerate the establishment of the modern financial system.Finally,in order to ensure the smooth implementation of the specific measures,from improving the capacity of small and medium-sized enterprise management and perfect the policy environment of small and medium-sized enterprise management two aspects,the relevant guarantee measures are put forward,in order to small businesses,financial institutions,government support several levels together promote N city,small and medium-sized enterprises in the economy to realize healthy and continuous development under the new normal.