The reason for this is the following：

The reason for this situation is that banks do not attach importance to SMEs, and some customers lack professional loan knowledge, because banks are mainly large enterprises and do not want to waste too much time on SMEs. At this time, if small and medium-sized enterprises have professional loan knowledge or the help of professional financial service institutions, the probability of passing the loan will be greatly improved.

In short, the development of small and medium-sized enterprises can not be separated from the support of banks, but the long and complicated loan process and difficulty coefficient are a drop in the bucket for small and medium-sized enterprises. Due to the difficulty of bank loans for small and medium-sized enterprises, the goal of small and medium-sized enterprises has turned to private lending, but private lending is risky and many lending companies are not qualified.

In order to effectively solve the financing difficulties of small and medium-sized enterprises, the Premier of the State advocates vigorously developing internet finance, and the government has also issued a series of policies for strict supervision.

How to effectively solve the financing problem of small and medium-sized enterprises

Solutions to the financing difficulties and high costs of SMEs are as follows:

(A) SMEs need to improve financial management.

Before improving the external environment, enterprises need to improve their own financial management level, enhance the attention of senior managers to financial management, and enhance financial management knowledge; Introduce professional financial managers, strictly implement the financial system and rationally plan the use of funds;

(2) Improve the multi-level capital market and stimulate market vitality.

Gradually lower the financial market access threshold, enhance the competitiveness of the financial market, stimulate the willingness of formal and informal financial institutions to finance small and medium-sized enterprises, give full play to the support advantages of small and medium-sized banks or informal financial institutions for small and medium-sized enterprises, improve the existing GEM management mechanism, accelerate the development of private equity capital markets, enhance the vitality of capital markets, and enhance support for small and medium-sized enterprises.

(C) banks to change the traditional way of lending, innovative financial services

We should change the original mode of bank lending to SMEs and adopt a new financing mode, namely "supply chain finance", that is, banks take the supply chain as a clue to connect core enterprises with upstream and downstream enterprises and provide financial products and services.

It has changed the previous financing mode that banks make credit decisions based on the credit evaluation of a single enterprise entity, and made banks change from paying attention to the credit risk evaluation of small and medium-sized enterprises to the credit risk evaluation of the whole supply chain and the transactions between its core large enterprises.

(4) Actively promote the orderly development of guarantee companies.

Under the background of the new economic normal, banks need to attach importance to the cooperation strategy with guarantee companies and rationally disperse the risks of guarantee business. On the one hand, promote the cooperative development of banks and financing guarantee companies.

The government should continue to increase its support for guarantee institutions, and at the same time continue to implement policies such as incentives, financial support and tax incentives, further improve the risk sharing and risk compensation mechanism of guarantee institutions, and improve the re-guarantee system to create a good policy environment for the cooperation between banks and enterprises to promote the development of small and medium-sized enterprises.

On the other hand, accelerate the development of guarantee companies to specialization and commercialization. Professional guarantee company. Pay more attention to the in-depth expansion of business, reduce the risks at the business level, and at the same time improve profitability. It can also effectively solve the problems of financing difficulties and high costs for small and medium-sized enterprises.

(5) Strengthening the construction of laws and regulations and policy guidance.

According to the current financing situation of small and medium-sized enterprises, it is necessary for the Chinese government to intensify its work in the following three aspects: First, establish and improve the social credit system, registration system and credit files, impose joint sanctions on enterprises that maliciously evade the debts of commercial banks, and safeguard the creditor's rights of commercial banks.

The second is to further improve the relevant legal system. If we revise the guarantee law as soon as possible, further improve the guarantee laws and regulations, promote the rapid development of commercial guarantee institutions, and then form good cooperation with banks more quickly.

Third, the government needs to protect the intellectual property rights of innovative small and medium-sized enterprises, establish a standardized intellectual property system and standards, and set up a fair and just intellectual property evaluation institution to ensure that innovative enterprises can successfully rely on intellectual property rights for financing.

About 1 10,000 enterprises close down every year in China, with an average of 2 closed down every minute. As long as you live for more than 3 years, any small and medium-sized enterprise will reach the average level. In fact, in the final analysis, it is because the company does not have enough funds, so it is easy to roll over.

If entrepreneurs lack capital resources and can't find investors, I suggest you take the project to different platforms to try, such as Mingde Capital Ecosphere, Whale Quasi, Entrepreneurship State and so on. Under normal circumstances, funds and investors will cooperate with the financing platform, and they will screen projects worth investing through the platform.

When choosing a platform online, you must keep your eyes open. Many platforms pay tens of thousands of dollars, but there is no result. If you are not sure, it is recommended to try the Mingde Capital Ecosphere. Mingde Capital itself is an investment. Unlike many platforms, many platforms only act as intermediaries.

In addition, there are more than 2,400 cooperative fund resources in Mingde, and the docking rate of offline activities is high. Hundreds of people participate in each activity, nearly 100 investors will be present, and many enterprises have obtained financing. I hope I can help you.

If you still have questions about the difficulty and high cost of financing for small and medium-sized enterprises, you can click the online consultation button below to talk to the teacher directly.

Reasons and suggestions for financing difficulties of small and medium-sized enterprises?

At present, SMEs generally have the problem of financing difficulties. Here I put forward some suggestions through the reasons of financing difficulties for small and medium-sized enterprises. Welcome to reading.

Analysis on the causes of financing difficulties for small and medium-sized enterprises

In fact, considering that the main financing channel for SMEs is loans from financial institutions, there are many reasons for the financing difficulties for SMEs:

1 Generally, small and medium-sized enterprises have weak financial strength, low credit and lack of real estate as collateral, so it is difficult to find powerful large enterprises as guarantors, which leads financial institutions to be cautious about financing small and medium-sized enterprises.

Because the property rights of small and medium-sized enterprises are not clear enough, some enterprises can't adapt to the changes of the market. As the economy changes from seller's market to buyer's market, the debt ratio of enterprises rises and the loan risk increases obviously. The financial and credit departments consider prudent and thrifty lending from the perspective of risk and economy.

Small and medium-sized enterprises, because of their small scale, high speed and little lending, have high frequency and high cost. Banks can't get enough economic benefits by lending to small and medium-sized enterprises, and prefer to invest their funds in large and excellent enterprises that are not short of funds.

There is a lack of effective communication and asymmetric information between small and medium-sized enterprises and financial institutions. However, financial institutions need a lot of manpower, material resources and time to investigate the financial and credit status of loan enterprises, which makes the actual loan period longer and the procedures complicated, and cannot meet the timely demand of small and medium-sized enterprises for funds.

The economic system and financial environment are not perfect, and the credit policy introduced lacks support for small and medium-sized enterprises. Compared with large enterprises, the loan conditions of small and medium-sized enterprises are obviously unfavorable.

Through the analysis of the financing situation and related data of small and medium-sized enterprises in China, we can see that the financing characteristics of small and medium-sized enterprises are financing difficulties, small financing amount, high financing cost, high financing frequency and many financing uncertainties, which have a negative impact on the financial structure. Because many small and medium-sized enterprises cannot raise enough funds from the existing financial system, they have to turn to private capital and personal loans such as shareholders. Like bank loans, these funds are mostly short-term loans, resulting in more short-term liabilities and less equity funds, which directly leads to high corporate debt ratio. At the same time, due to the small proportion of long-term loans, the long-term capital ratio of small and medium-sized enterprises is too small, and the long-term capital of small and medium-sized enterprises to make up for the gap in fixed assets is less, so they can only rely on short-term liabilities to make up for it, which increases the possibility of financial crisis. At the same time, because it can't get enough funds from financial institutions, the cost of obtaining funds through other means is higher than that of large enterprises, which also makes the financial structure of enterprises imperfect and affects their operating performance.

Financing strategies and suggestions for improving financing structure of small and medium-sized enterprises

According to the analysis of the financing difficulties of small and medium-sized enterprises, it is not difficult to find that the main financing channel of small and medium-sized enterprises is borrowing from financial institutions, and its difficulty is affected by three factors: the relationship between small and medium-sized enterprises and financial institutions, the conditions of credit contracts and the conditions of enterprises themselves. Among these three factors, the enterprise's own conditions cannot be improved in a short time. Many domestic scholars and experts put forward some improvement measures according to the actual situation in China, such as establishing a supportive credit system to serve small and medium-sized enterprises as soon as possible and establishing a system conducive to small and medium-sized enterprises' direct access to the capital market. However, from the analysis of the causes of financing difficulties, the key to improve the information asymmetry between financial institutions and enterprises, high credit cost and difficult guarantee in a short time is to start with the credit contract conditions. The existing credit contract is not completely symmetrical, and there are certain conflicts of interest between borrowers and lenders. Due to incomplete and asymmetric information, financial institutions cannot identify the advantages and disadvantages of loan enterprises. In the face of excess capital demand, if financial institutions simply raise interest rates to avoid risks, most SMEs can only withdraw from the credit market. Therefore, the author suggests to adopt a credit contract of "taking risks and enjoying benefits" to solve this problem.

The main idea of the credit contract of "taking risks and enjoying benefits" includes three aspects:

1 Financial institutions can reach an agreement with enterprises under the condition of keeping loan prime rate unchanged, share the operating results of enterprises in the next few years, and enhance the enthusiasm of financial institutions to provide more long-term funds.

Give active guidance and support in management to improve the market competitiveness of small and medium-sized enterprises. For example, financial institutions help enterprises to establish reasonable accounting and financial management systems and participate in the evaluation of investment projects and the analysis of financial statements.

3. The loan risk calculation method based on ratio analysis will develop into a dynamic quantitative comprehensive credit evaluation technology that integrates many technologies, taking into account the financial structure and future profitability of enterprises. This credit contract of "taking risks and enjoying benefits" can learn from some similar practices abroad, and consider piloting it in the credit system of small and medium-sized enterprises in some provinces and cities, and then promoting it to the whole country after gaining relevant experience.