Report on financing problems and countermeasures of small and medium-sized enterprises 1. Small and medium-sized enterprises are an important force in the development of national economy and play an important role in promoting economic growth and solving labor employment. How to effectively solve the financing problem of small and medium-sized enterprises has been related to the process of building a harmonious society in China. Second, the purpose and significance of the study 1, purpose 1999, a survey conducted by the International Finance Corporation (IFC) on private enterprises in Beijing, Chengdu, Shunde (Guangdong Province) and Wenzhou (Zhejiang Province) shows that 80% of private enterprises have seriously hindered their development because of lack of financing channels. In other words, financing difficulty has always been a bottleneck restricting the development of small and medium-sized enterprises. There are many reasons for the financing difficulties of small and medium-sized enterprises, such as their own management problems, unreasonable use of advanced financing methods to find financing solutions, financial institutions' own problems, imperfect government regulations and supervision, and so on. To solve the financing problem of small and medium-sized enterprises in China, we need to combine the strength of enterprises, financial institutions and the government. This paper aims to find out the root of financing difficulties for small and medium-sized enterprises through the analysis of financing channels, and then put forward effective solutions. 2. Significance In the past ten years, China's economy has undergone major changes, from a state-owned and collective-owned economy to a mixed-ownership economy in which private enterprises play a powerful role. By the end of 1998, the proportion of domestic non-state-owned sector output in GDP has increased to about 27%. The importance of private economy ranks second, second only to all parts of the country. Although the non-state-owned sector is becoming more and more important, by the end of 1999, they only got 1% of the total bank loans, and the non-state-owned enterprises in Shanghai and Shenzhen stock markets only accounted for l% of listed companies. This contradiction between strengthening the vitality of non-state-owned sectors and restricting their use of financial intermediaries for financing shows that small and medium-sized enterprises may not be able to continue to grow at the current rate without increasing financing channels. Iii. Conditions and advantages for the completion of the project 1, condition a and background conditions As a developing country, China's small and medium-sized enterprises have developed rapidly in the past 20 years of reform and opening up. However, a large number of data show that the shortage of funds is still the key problem restricting the development of enterprises, and solving the financing difficulties of small and medium-sized enterprises is the fundamental way to expand enterprises. B. Basic information After World War II, people have increasingly realized the important role of small and medium-sized enterprises in economic development, and vigorously developing small and medium-sized enterprises is the best way to promote the rapid and stable growth of the world economy. Especially in the 1990s, the vigorous development of some emerging small-scale scientific and technological enterprises, such as the United States, and their successful listing in the scientific and technological board market have attracted great attention from all countries in the world. Although the role and status of small and medium-sized enterprises in developed countries are constantly improving, financing difficulties have always been a headache for them. To this end, developed countries have done a lot of articles in supporting the financing of small and medium-sized enterprises, which is worth learning from in China. 2. Advantages The United States, Japan, Spain and other countries have set up special 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 Small Business Administration (SBA), which has 96 regional and directly affiliated offices in 50 states and employs more than 3,000 people. Under the authorization of Congress, SBA can provide financial assistance to small enterprises through direct loans, coordinated loans and guaranteed loans. Japan has established three financial institutions for small and medium-sized enterprises directly controlled and funded by it after the war: the financial pool for small and medium-sized enterprises, the national financial pool and the central pool for combining industry and commerce to provide low-interest financing for small and medium-sized enterprises that lack funds but have a market and prospects; Spain has established a specialized agency for small and medium-sized enterprises under the Ministry of Economy and Finance, which is composed of three parts: an inter-ministerial committee, a policy working group and a small and medium-sized enterprise observation bureau. It is responsible for studying, coordinating and supervising the financial credit of small and medium-sized enterprises, participating in loans and establishing a collective investment fund system. The German government's "Marshall Plan Assistance Equivalence Fund" is specially responsible for providing loans directly to SMEs. It can be seen that the establishment of special government departments in developed countries is a necessary condition for the overall financing management of SMEs. At present, China has set up the Small and Medium-sized Enterprises Department under the Economic and Trade Commission, which is mainly responsible for the policy research and behavior counseling of small and medium-sized enterprises. I believe that the role of the SME Division will become more and more important in the future. Four. The main content and basic structure of the research paper is the outline of the central idea paper, such as: 1, the financing problems of private enterprises in China 1. 1, the status and significance of private enterprises in China 1.2, the financing methods and channels of private enterprises in China 1.3, and the financing status of private enterprises in China 2. Analysis of the causes of the financing situation of private enterprises in China 2. 1, internal causes of private enterprises 2.2, financial service system 2.3, government functional institutions 3. Countermeasures to solve the financing problems of private enterprises in China 3. 1, private enterprises' own countermeasures 3.2. Establish and improve financial policies suitable for the development of private enterprises 3.3. The government should strengthen its support for private enterprises 3.4. Establish and improve the credit evaluation system of private enterprises.