中小企业融资现状问题及对策(文版)中小企业融资现状问题及对策(英文版).doc

Researches On The Problems And Solutions Of SME Financing Status Quo Abstract: The?medium?and?small?enterprise plays an irreplaceable role in Chinas national economy, but harsh financing environment seriously restricts and even endangers the survival and development of medium?and?small?enterprises. First, this article introduces the status and characteristics of SME financing. Second, analyzes the channels and the difficulties of SME financing in our country. Finally, comes up with some measures to ease difficulties of SME financing. In this article, the research on the problems and solutions of SME financing status quo has a certain significance and guiding value. Keywords: SME, Financing, The Analysis Of Countermeasures 1 .The status quo?of?Chinas?SME 1.1 The development and current situation of SME No matter in developed countries or in developing countries, the small and medium-sized enterprise is the important support of national economy in the development of a country. Small and medium-sized enterprises play an irreplaceable role in improving the national economic production, promoting the progress of science and technology, increasing employment, expanding exports, etc. After China carried out?reform?and?open?policy, our national small and medium-sized enterprises have developed very quickly, and the contribution rate of them to national economy have raised constantly. As of May 2011, the number of small and medium-sized enterprises in China has more than 40 million, and has?taken up more than 99%?of?all?enterprises. Total imports and exports of small and medium-sized enterprises have accounted for 69%. The gross industrial output value, sales income, taxes?of SME have respectively accounted for 60% of the total, 57% and 50%. Small and medium-sized enterprises mostly engage?in those?jobs?in?the third?industry, which are close to the market, close to the user. They are active in the most competitive areas of the market. SME is the main body of market econ