Research On Optimization Design Of Small And Medium Sized Enterprise Financing Projects In Jiangdu District,Yangzhou City

Under the good development momentum of China’s market economy,small and medium-sized enterprises have sprung up one after another.In the opinions on further promoting the development of small and medium-sized enterprises issued by the State Council(i.e.Document No.36 issued by the State Council),it is pointed out that small and medium-sized enterprises are an important force for China’s national economic and social development and an indispensable part of China’s market economy.Promoting the development of small and medium-sized enterprises is an important foundation for maintaining the steady and rapid development of the national economy and a major strategic task related to people’s livelihood and social stability.However,due to the various problems of small and medium-sized enterprises and the limitations of external conditions,the difficulty and high cost of financing have become a long-term obstacle to the development of small and medium-sized enterprises.How to promote the rapid and steady development of small and medium-sized enterprises has become a common concern and an urgent problem for local governments.In this thesis,private small and medium-sized enterprises and 15 banks in Jiangdu District of Yangzhou city are taken as the research objects.Through bank loan data,enterprise field visits,telephone questionnaires,interviews and other methods,we understand the financing status,financing needs and conventional financing channels of small and mediumsized enterprises in Jiangdu District,analyze the specific reasons for their financing difficulties,The enterprise itself and the government put forward solutions from three perspectives: that is,banks need to innovate comprehensive financial services and increase cooperation with chambers of Commerce and guarantee companies;The government should play the role of guiding and bridging,establish and improve the credit service system;Small and medium-sized enterprises should enhance their core competitiveness and improve their own financial management quality.Only through close cooperation among the three parties can the financing problems of small and medium-sized enterprises in Jiangdu district be effectively alleviated.