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Research on the Causes and Countermeasures of Financing Difficulties of Small and Medium-sized Enterprises

Small and medium-sized enterprises are an indispensable part of our national economy. It has become the most vigorous economic growth point, but financing is a major problem for small and medium-sized enterprises in China. This paper summarizes the existing financing methods and puts forward new ways to solve the financing difficulties. Introduction The establishment and development of small and medium-sized enterprises have special status and significance. Financing is the focus of attention of enterprises, which will arouse great attention of relevant management departments. Financing refers to the financing of funds. Enterprise financing is an economic behavior of the users and demanders of funds. As an integral part of social financing, enterprise financing plays an important role in the operation and production of enterprises. Problems in Financing of Small and Medium-sized Enterprises in China Banks have limited financial support At this stage, the demand for SMEs' funds cannot be met only by the business provided by SMEs' banks. On the one hand, small and medium-sized banks are relatively weak in risk resilience; on the other hand, small and medium-sized banks are limited to withdraw reserves because of their low capital. At present, the main financing channel of small and medium-sized enterprises in China is bank credit financing. Innovative products, innovative system and efficiency approval are the credit businesses that some banks try to develop. Since 2008, the tightening credit policy has exerted great pressure on bank funds, which has reduced the scale of bank credit. Therefore, it has not formed a characteristic scale benefit. The credit guarantee institutions of small and medium-sized enterprises are not perfect Guarantee institutions have not carried out the loan guarantee business for SMEs in accordance with the facts. China's laws rarely protect and restrict guarantee institutions. Guarantee institutions lack the ability to identify, control and defuse risks for professional knowledge, and lack risk control system and supervision system. The financing of small and medium-sized enterprises lacks perfect legal environment Market system and legal norms are the characteristics of China's market economy, but they are not in place in the actual implementation process. Although the corresponding rights are explained in some relevant laws and regulations, the perfect and effective implementation of relevant laws and regulations play a vital role in the financing and even development of SMEs. The financing channels of SMEs are single Enterprises still seldom use bank credit for financing to promote development. Generally, they use traditional ways of financing, such as internal accumulation, self-owned capital and commercial reputation for financing.