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I

Abstract

Research on the Financing Actuality and Countermeasure of Chinese Small

and Medium-sized Enterprises

Abstract

According to statistics, the final product and service value created by China's small and medium enterprises accounted for the proportion of GDP more than 60%. The total tax of SMEs accounted for more than half of the country's total tax. SMEs in China completed the more than 60% of invention patents and more than 80% of new product development. So, the SMEs indisputably occupied the half of our country's economic territory. The number of SMEs is quite large and it involved in all walks of life. The SMEs have become the most innovative, the most dynamic and the most potential market players in China's economy. It plays an irreplaceable role in promoting national economic development, solving employment, increasing financial income and so on. Countries also attach great importance to the development of SMEs. Promoting the development of SMEs has being an important part of the national development strategy, and supporting the development of SMEs has being an important economic policy. However, the \advantage and weak status\situation of SMEs has not been fundamentally changed, especially in financing. Its contribution to economy and financial support is extremely asymmetric. Under the impact of the current financial crisis, due to the small size, weak strength, less capital, SMEs' financing falls into a more embarrassing situation. It would be easy to occur to capital chain rupture, have more difficulties in financing, and even face the risk of bankruptcy. In recent years, the financing difficulties of SMEs have gradually become a key factor restricting the development of China's economy. How to solve the problem of financing of SMEs has become the focus of attention of the current government and financial sector.

Key Word:Small and medium-sized enterprises; Financing; Difficulty

II

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ÕªÒª ............................................................. I Abstract ........................................................ II µÚÒ»Õ Ð÷ÂÛ ...................................................... 1

1.1 Ñо¿ÒâÒå ........................................................... 1 1.2 ¸ÅÄî½ç¶¨ ........................................................... 2 1.3 ÎÄÕ¼ܹ¹ ........................................................... 3

µÚ¶þÕ ÖÐСÆóÒµÈÚ×ʵÄÑо¿ÏÖ×´ .................................... 4

2.1 ¹úÍâÖÐСÆóÒµÈÚ×ʵÄÑо¿ÏÖ×´ ......................................... 4 2.2 ¹úÄÚÖÐСÆóÒµÈÚ×ʵÄÑо¿ÏÖ×´ ......................................... 5 2.3 ÎÄÏ××ÛÊö ........................................................... 6

µÚÈýÕ ÎÒ¹úÖÐСÆóÒµµÄÈÚ×ÊÏÖ×´ .................................... 7

3.1 ÈÚ×ÊÇþµÀ ........................................................... 7 3.2 ÈÚ×Ê·½Ê½ ........................................................... 7 3.3 ÈÚ×ÊÌØµã ........................................................... 9

µÚËÄÕ ÎÒ¹úÖÐСÆóÒµÈÚ×ÊÀ§¾³·ÖÎö ................................. 10

4.1 ÎÒ¹úÖÐСÆóÒµÈÚ×ʵÄÀ§¾³·ÖÎö ........................................ 10 4.2 ÎÒ¹úÖÐСÆóÒµÈÚ×ÊÀ§¾³µÄÔ­Òò·ÖÎö .................................... 11

µÚÎåՠг£Ì¬ÏÂÎÒ¹úÖÐСÆóÒµÈÚ×ÊÃæÁٵĻúÓöºÍÌôÕ½ ................. 15

5.1 г£Ì¬ÏÂÎÒ¹úÖÐСÆóÒµÈÚ×ÊÃæÁٵĻúÓö ................................ 15 5.2 г£Ì¬ÏÂÎÒ¹úÖÐСÆóÒµÈÚ×ÊÃæÁÙµÄÌôÕ½ ................................ 16

µÚÁùÕ ½â¾öÎÒ¹úÖÐСÆóÒµÈÚ×ÊÄѵĶԲ߷ÖÎö ......................... 18

6.1 Õþ¸®·½ÃæµÄ½¨Òé .................................................... 18 6.1 ½ðÈÚ»ú¹¹·½ÃæµÄ½¨Òé ................................................ 19 6.1 ÆóÒµ·½ÃæµÄ½¨Òé .................................................... 20 6.1 Éç»á·½ÃæµÄ½¨Òé .................................................... 21

½áÓï ............................................................ 23 ²Î¿¼ÎÄÏ× ........................................................ 24 ÖÂл ............................................................ 25

III