analysis of the problem of financing smes yuanzhou（分析中小企业的融资问题的生态）.doc

Analysis of the problem of financing SMEs Yuanzhou Abstract: SMEs with its flexible operation mechanism and a strong innovation activities in Yuanzhou economy occupies a pivotal position to provide the most basic of economic growth driving force, but the financing of SMEs has become a bottleneck restricting the development of enterprises hinder the way small and medium enterprises bigger and stronger, and thus the socio-economic development Yuanzhou had a serious impact. In this paper, Yuanzhou SME financing issues were discussed. Keywords: SMEs, financial and tax policies, financing, tax SMEs play a vital role in the national economy, industrial output, tax payments, and total exports are a larger proportion of the SME community to solve the employment problem not only play a huge role, and its flexible operation mechanism and a strong innovation activities for economic growth provide the most basic driving force. Despite the large number of SMEs, but with the market-oriented economic reforms deepen, and large enterprises in the fierce competition in the SME has revealed significant weakness due to rising raw material costs encountered, the new lt;lt;Labor Contract Lawgt;gt; implementation, the RMB appreciation and the tight monetary policy and many other negative factors, the SMEs are facing difficulties. Enterprise funds are essential to the survival and development of resources, but it is financing the development of SMEs in congenital problems in a variety of financing approaches. Bank credit is an important source of funding, because there are inherent disadvantages of SMEs, which On the one hand, although some small and medium enterprises with total assets greater, but high debt ratio, so companies have the right to dispose of its own assets less the other hand, companies often do not comply with the assets of the bank liquidity, hedging capabilities preferences, mortgage rate is not high, so. banks from their own interests, are of