Research On The Countermeasures Of The Difficulty In Financing Of Zhuhai Private SMEs

Since the reform and opening up,China has established a socialist market economic system,the private economy has developed rapidly,and has gradually become an important supporting force in the national economy,making great contributions to economic development,scientific and technological innovation,and promoting employment,but in the process of development,there are also some prominent problems that plague private small and medium-sized enterprises,and financing difficulties are one of them.Especially since the outbreak of the new crown epidemic,the global supply chain has been seriously affected,China’s economy has also been deeply affected,of which as the forefront of reform and opening up,Zhuhai’s small and medium-sized enterprises are directly facing a severe situation at home and abroad,many business difficulties have followed,some basic and institutional problems have begun to appear,and the financing difficulties are particularly obvious.In this context,it is of great significance to explore Zhuhai to solve the financing difficulties of small and medium-sized enterprises in Zhuhai.First of all,measures should be taken to promote the interconnection of financial markets and deepen the penetration of financial technology,which will help better serve the real economy of Zhuhai;second,explore and solve the problem of shortage of funds and financing difficulties of private small and medium-sized enterprises,which will help enterprises resume production in a timely manner and get out of the epidemic as soon as possible;finally,optimize the business environment and give policy-oriented financial support,which will help enhance the core competitiveness of Private Enterprises in Zhuhai and contribute to the energy level of Zhuhai City.Through examining the actual situation of Zhuhai’s economic development,combined with the research results of predecessors,this paper takes Zhuhai’s private small and medium-sized enterprises as the research object,and studies and solves the financing problems of private small and medium-sized enterprises in Zhuhai through qualitative and quantitative analysis methods.The article first introduces the concept and connotation of private smes,gives a general explanation of the development status of Zhuhai’s private economy,and elaborates on the development characteristics of Zhuhai’s private SMEs.Secondly,the objective performance of the financing difficulties of private SMEs in Zhuhai is objectively described from the four aspects of financing channels,financing structure,financing costs and institutional mechanisms,and the specific reasons for financing difficulties are analyzed from two aspects,both inside and outside the enterprise,such as irregular financial systems,weak credit concepts and tightening credit environment.Later,combined with the national strategy for the construction of the Guangdong-Hong Kong-Macao Greater Bay Area,the inspiration of the construction of the Greater Bay Area to Zhuhai’s solution of enterprise financing problems was analyzed,which on the one hand clarified the role of the construction of the Guangdong-Hong Kong-Macao Greater Bay Area in promoting Zhuhai’s solution to enterprise financing problems,and on the other hand,it was also mentioned that the construction of the Guangdong-Hong Kong-Macao Greater Bay Area highlighted the shortcomings of Zhuhai in solving the problem of enterprise financing.On the basis of the detailed analysis of the previous article,the final article puts forward countermeasures and suggestions to solve the problem of financing difficulties from six aspects,such as improving the policy system,optimizing the financing environment,improving the assessment incentive mechanism and innovating financial products,etc.,and striving to contribute to the solution of enterprise financing problems in Zhuhai.