Small and medium-sized enterprises play an important role in the development of county economy and social progress. At present the county small and medium-sized enterprise in our city, the vast majority of private enterprises or joint-stock enterprises, their development is rapid, employment, market expansion ability to live, in the promotion of economic growth, promote new rural construction, deepening social specialization of production and so on, is playing an indispensable positive role, has become an important part of county economy. At present, the small and medium-sized enterprise in development also faces many difficulties and problems, such as the policy environment is not perfect, entrepreneurial threshold is high, market access and exit mechanism is not perfect, the social service system lags behind, to encourage and support small and medium-sized enterprise policy is still a lack of appropriate supporting measures and so on, of which, the financing is one of the most restricts the development of small and medium-sized enterprises.
At present, the financing of small and medium-sized enterprises, mainly displays in: the financial market is not perfect, according to the characteristics of small and medium-sized enterprises financing, the financing channel is narrow; ② because the small and medium-sized enterprise credit rating is low, the lack of collateral assets, financing costs are relatively high, it is difficult to obtain financial institutions funding support; the lagging construction of the service system for small and medium-sized enterprises, especially the credit system is relatively weak, credit guarantee institutions commercialization degree is low; the objective benefits of financial services to small and medium enterprises is relatively poor, the impact of the financial institutions to small and medium enterprises service product development, institutional arrangement of banks and the financing needs of SMEs do not match; 5. Quite a number of technological innovation in small and medium enterprises is not active enough, the low level of management, credit consciousness is weak, enterprise system construction lags behind the pace of enterprise development, and so on, all make SMEs face into long puzzled.
Causes of the difficult financing of small and medium-sized enterprises are in many aspects, both institutional obstacles, and the service is not in place; both for historical reasons, and practical effect; both factors of external environment is not easy, and small and medium-sized enterprises development issues. Therefore, to solve the financing difficulties of small and medium-sized enterprises, must be multi-pronged, strengthen guidance, improve service, integrated propulsion.
First, deepen reform, establish and improve the promotion of the development of small and medium-sized enterprises financial system
With the development of market economy, the role of SMEs in the economic and social development in the increasingly prominent. Compared with the city, large enterprises, small and medium enterprises in the capital, information, personnel, technology, management and many aspects of disadvantage. Through deepening the reform of the financial system, accelerate the establishment of the small and medium-sized enterprise especially financial support system of small and medium-sized enterprises of the county, the active support of state-owned commercial banks from the industry access, risk control, compensation mechanism, credit orientation, network layout and so on, is inclined to the county small and medium-sized enterprises, to help SMEs to expand financing channels. After more than ten years of financial system reform, China has initially established a modern financial system of pluralism, however in the four major state-owned commercial banks as the core of the financial system, the service mainly for large state-owned enterprises, the small and medium-sized enterprise credit is only the "sideline". Relying on the big banks to solve the financing of small and medium-sized enterprises mode means the financing costs and high cost in theory, thus suitable for small and medium-sized enterprises limited. Therefore, from a long-term point of view, it is necessary to set up special SME credit bank, dedicated to provide credit services for small and medium-sized enterprises. The establishment of specialized SME credit mechanism, ways are possible is to create special SME bank restructuring in the city commercial banks, urban and rural credit cooperatives and other regional banks basis, give full play to its "based on the local, local service, characteristic service" advantage, financing to provide credit support to small and medium-sized enterprises. At present, the city commercial banks and credit cooperatives development strategy and the convergence of state-owned commercial banks, market positioning fuzzy, strongly and state-owned commercial banks compete for the big city, big corporate customers. From its own management ability and market segmentation perspective, city commercial banks and credit cooperatives should adjust development strategy, small and medium-sized enterprises as the main target market, considering the characteristics of small and medium-sized enterprise loan hidden costs high, countries should strengthen guidance, given appropriate subsidies, mobilize the enthusiasm of the small and medium-sized enterprise credit mechanism. At the same time, through the reform of public finance system, and further to support the small and medium-sized enterprise development, as an important task of the construction of public finance, establish and perfect the tax, including funds, financing a series of policies and measures to support, increase support for small and medium-sized enterprise funds, alleviate the financing difficulties of smes.
Two, as the initiative, improve the level of financial services to small and medium-sized enterprises
At present, small and medium-sized enterprises in market access, the choice of industry, industry standards, product quality, legal protection, financial support and social services in all aspects of the increasingly high demand, more and more urgent, which put forward higher requirements for the development of services for small and medium-sized enterprises. The bank as the main channel for external financing of small and medium-sized enterprises in China, need to pay attention to the small and medium-sized enterprise financing in the current reform of state-owned banks. The state-owned commercial banks must be the idea innovation. We should dialectically treat the relationship between big, in, small business loans, truly code of conduct to benefit as the center, step out to firm size, ownership form as a misunderstanding of loan basis. To the small and medium-sized enterprise reasonable demand for capital should make no exception, gradually increase the proportion of small and medium-sized enterprises credit support. In accordance with the national industrial policy to determine the loans to small and medium enterprises to properly delegated approval authority, the small and medium-sized enterprise liquidity loans, revised enterprises credit rating standards, the establishment of small and medium-sized enterprise loan
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