Influence Of Electronic Bill Business Development On Financing Of Small And Medium-sized Private Enterprises In China

With the continuous development of China’s socialist economy,small and medium-sized private enterprises are becoming an indispensable part of economic development.However,due to the immaturity of China’s current financial system and the defects of small and medium-sized private enterprises,many enterprises are mainly facing higher financing constraints.Difficult and expensive financing has seriously hindered the normal development of small and medium-sized private enterprises.In such circumstances,the government is releasing relevant positive policy,urging all financial institutions will increase support for small and medium-sized private enterprises loans,with good financial service work and innovation of financial products,to expand the financing channels,reduce financing costs as the guide,is committed to better serve small and medium-sized private enterprises.Bills are an important payment and financing tool for small and medium-sized private enterprises in the market operation process.Promoting the circulation and realization of bills will strongly support the development of small and micro private enterprises.With the improvement of China’s economic growth rate and the continuous adjustment of the industrial structure,the downward pressure on the economy is greater,and there is still a long way to go to solve the problem of expensive and difficult financing for private economy and small,medium and micro enterprises.Based on the financing constraints of small and medium-sized private enterprises in China,this thesis expounds the difficulties of internal and external financing from the inherent disadvantages of enterprises.This thesis discusses how the bill business innovation and policy support can help the development of small and medium-sized private enterprises and the existing shortcomings,and analyzes the impact of the bill pool,bill easy loan,private bill market,cloud chain and supply chain bill on enterprise financing.This thesis refers to a large number of relevant literature,starting from the theory and practical cases,using literature research method,case analysis method,and so on,further proposes that China’s bill market from the policy,business model and other starting points to solve the financing problems of small and medium-sized private enterprises.