Project Report: Financing Problems and Countermeasures of Small and Medium-Sized Enterprises 1. The source of choosing this topic 2. The purpose and significance of the research 1. Purpose In 1999, the International Finance Corporation (IFC) conducted research on Beijing, Chengdu, Shunde ( A survey conducted by private enterprises in Guangdong Province), Wenzhou (Zhejiang Province) and other places showed that 80% of private enterprises lacked financing channels, which has seriously restricted their development. In other words, financing difficulties have always been a bottleneck restricting the development of small and medium-sized enterprises. There are many reasons why small and medium-sized enterprises have difficulties in financing. Small and medium-sized enterprises have their own management problems and do not make reasonable use of advanced financing methods to find financing solutions. Financial institutions themselves also have many problems. Government regulations are not perfect and supervision is not perfect. ,etc. To solve the financing problems of small and medium-sized enterprises in my country, we need to combine the efforts of enterprises, financial institutions and the government. This article aims to find out the root causes of financing difficulties for SMEs by analyzing their financing channels, and then propose effective solutions. 2. Significance In the past decade or so, China's economy has experienced major changes, from a fully public ownership system owned by the state and collectives to a mixed ownership economy in which private enterprises play a strong role. By the end of 1998, the output of the domestic non-state sector had grown to approximately 27% of GDP. The private economy has jumped to second place in importance, after all parts of the state. Despite the growing importance of the non-state sector, until the end of 1999, they received only 1% of total bank loans, and non-state-owned enterprises accounted for only 1% of listed companies on the Shanghai and Shenzhen stock exchanges. This attempt to enhance the vitality of the non-state sector, but The paradox of limiting their use of financial intermediaries for financing suggests that without increasing access to finance for SMEs, perhaps they cannot continue to grow at their current rate. 3. Conditions and advantages for completing the project 1. Condition A. Background conditions As a developing country, my country's small and medium-sized enterprises have developed rapidly over the past 20 years of reform and opening up. However, a large amount of data now shows that the shortage of funds is still a key issue restricting the development of enterprises, and solving the problem of financing difficulties for small and medium-sized enterprises is the fundamental way for enterprise expansion. B. Basic conditions After World War II, people increasingly recognized the important role of small and medium-sized enterprises in economic development. Vigorously developing small and medium-sized enterprises is the best way to promote rapid and stable growth of the world economy. Especially in the 1990s, the vigorous development of some emerging technology small businesses in the United States and other countries and their successful listing on the technology board market attracted great attention from countries around the world to small and medium-sized enterprises. Although the role and status of small and medium-sized enterprises in developed countries continue to increase, financing difficulties have always been a headache for them. To this end, developed countries have done a lot to support the financing of small and medium-sized enterprises, which is worth learning from China. 2. Advantages The United States, Japan, Spain and other countries have specialized government departments and policy financial institutions to provide financial assistance for the development of small and medium-sized enterprises. The U.S. government has a ministerial-level Small Business Administration (SBA), which has 96 regional and regional direct offices in 50 states across the country and has more than 3,000 employees. The SBA is authorized by Congress to allocate funds through direct It provides financial assistance to small businesses in various forms such as loans, coordinated loans and guaranteed loans; after the war, Japan successively established three small and medium-sized enterprise financial institutions directly controlled and funded by it: the Small and Medium Enterprises Finance Corporation, the National Financial Corporation and the National Financial Corporation. The central public treasury of the industrial and commercial combination specializes in providing low-interest financing to small and medium-sized enterprises that lack funds but have markets and prospects; Spain has established a specialized agency for small and medium-sized enterprises affiliated with the Ministry of Economy and Finance, which is composed of inter-ministerial committees, policy working groups and The Small and Medium Enterprises Observation Bureau is composed of three parts and is responsible for researching, coordinating and supervising financial credit to small and medium-sized enterprises, participating in loans and establishing a collective investment fund system; the German government's "Marshall Plan Aid Counterpart Fund" is specifically responsible for providing loans directly to small and medium-sized enterprises. It can be seen from this that the establishment of specialized government departments in developed countries is a necessary condition for the overall management of small and medium-sized enterprise financing. Our country currently has a Department of Small and Medium Enterprises under the Economic and Trade Commission, which is mainly responsible for policy research on small and medium-sized enterprises and behavioral guidance for small and medium-sized enterprises. I believe that the role of the Department of Small and Medium Enterprises will become greater and greater in the future.

4. The main content and basic structure of the subject research. The abstract of the paper is also the outline of the central idea of ??the paper, such as: 1. Problems in the financing of China's private enterprises 1.1. The status and significance of China's private enterprises in the national economy 1.2. The problems of China's private enterprises Financing methods and channels 1.3. Financing status of China's private enterprises 2. Analysis of reasons for the financing status of China's private enterprises 2.1. Internal reasons for private enterprises 2.2. Reasons for the financial service system 2.3. Reasons for government functional agencies 3. Solutions to the financing problems of China's private enterprises Countermeasures 3.1. Countermeasures of private enterprises themselves 3.2. Establish and improve financial policies suitable for the development of private enterprises 3.3. The government should strengthen support for private enterprises 3.4. Establish and improve the credit evaluation system and credit guarantee system for private enterprises