analysis of small business financing problems（中小企业融资问题的分析）.docVIP

Analysis of small business financing problems Paper Keywords: financial crisis; enterprises; financing Abstract: The international financial crisis so that our small and medium enterprises, especially small enterprises has been a great blow when criticized commercial banks to invest in highly concentrated in large enterprises and projects, some small companies to benefit less, while increasing loans to low-cost marketing trends , when the decline in bank pricing power, rational thinking small business financing to continue the basic problem appears to be particularly important. In order to overcome the financial crisis, the state issued a series of economic stimulus measures, which only the first quarter of 2009, new bank loans reached 4.6 trillion yuan, compared with the year 2007, more than 20% analysis, new loans Approximately one-third of short-term commercial paper, most of the other is the long-term loans, the main flow with the economic stimulus-related or government-led infrastructure projects and investment in this process, large enterprises, especially state-owned companies get most of the new loans, small and medium enterprises to improve the not very obvious, small businesses more negligible. First, do small business financing as soon as possible out of our economy has a unique role in financial crisis “Small business” is different from SMEs, according to the CBRC’s concern that China’s small enterprises generally refers to the turnover of 3,000 yuan, less than 100 the number of enterprises. The national total of around 60 million small business rate of contribution to GDP more than 60%, providing 75% of the jobs and create about 50% of export earnings and fiscal revenue. small enterprises not only plays an important role in the national economy, China’s economy is the most active and viable force on China’s economy out of this financial crisis has a unique role is to promote full recovery of China’s microeconomic and macroeconomic t