中小企业融资问题探讨

Discussion on Financing of Small and Medium SizedEnterprisesAbstractNow,small and medium-sized enterprises are the main pillar of our economy.However,dueto various factors and its own influence,there is a shortage of funds in its production andoperation.And financing is the starting point of capital movement,which is crucial.Sincefinancing is the starting point of capital flow,financing has become the most important problemfaced by smes.This article starts from small and medium-sized enterprises,according to ourcountry's environment and policy,and then talks about the current situation of financing and theexisting problems and reasons,and finally makes corresponding countermeasures for the problems.In this paper,through the literature analysis method to understand the status of small andmedium-sized enterprises,using comparative analysis method to compare the internal and externalproblems of small and medium-sized enterprises,to find out the reasons for the problems.Finally,some effective countermeasures in theory are obtained.Through the study of sme financing,the goverment,commercial Banks and smesthemselves need to strengthen their financing.I believe that the solution to the financing problemcan be achieved only by the external environment,and the quality of the enterprise itself shouldalso be improved,otherwise the enterprise will not be able to develop for a long time.For example,the govemment has provided good policies,but the credit of enterprises is too poor,so commercialbanks will not lend to enterprises,so they need to improve in many ways.Key words:Small and medium-sized enterprises;financing;Financing problem;Economy;The economic development