Papers include: opening report, Chinese and English abstracts, papers, catalogues, literature review, and outline paper number. Abstract: CW002 At present, China's small and medium-sized enterprises are developing rapidly, contributing more and more to the national economy and becoming a powerful boost to regional economic development. However, the financing problem of small and medium-sized enterprises has become a bottleneck that puzzles their development. Therefore, it is of great practical significance to correctly understand and effectively solve the financing difficulties of small and medium-sized enterprises. This paper introduces the present financing situation of China's small and medium-sized enterprises from various financing channels, and analyzes the reasons of financing difficulties from aspects of national policies, financial institutions and small and medium-sized enterprises themselves. Finally, according to the reasons, combined with the successful experience of foreign countries and the actual situation in China, some suggestions are put forward to solve the financing problem of small and medium-sized enterprises. It mainly includes: perfecting laws and regulations and establishing a credit guarantee system for small and medium-sized enterprises; Reform state-owned commercial banks and develop small and medium-sized financial institutions to serve small and medium-sized enterprises; Small and medium-sized enterprises standardize financial system, strengthen credit concept and broaden financing channels. Keywords: financing countermeasures for small and medium-sized enterprises Abstract: Small and medium-sized enterprises are developing rapidly now. It is an important force in the development of national economy and plays an important role in promoting economic growth and solving labor employment. With the rapid growth of small and medium-sized enterprises, the financing problem of small and medium-sized enterprises has become increasingly prominent. How to effectively solve the financing problem of small and medium-sized enterprises is very important in the national economy. This paper introduces the present situation of financing of small and medium-sized enterprises from the financing channels, and analyzes the causes of financing difficulties of small and medium-sized enterprises. According to the analysis and comparison of the present situation of small and medium-sized enterprises in China and the causes of financing difficulties, this paper puts forward the following methods to solve the financing difficulties of small and medium-sized enterprises: first, to introduce supporting and operable policies to support the development of small and medium-sized enterprises; Improve the venture capital system and give full play to the role of venture capital funds and venture capital companies. Second, vigorously develop small and medium-sized financial institutions and private financial institutions, and establish and improve the system of small and medium-sized financial institutions. Third, improve the financial situation, adjust the structure of assets and liabilities, and improve the credit rating; Cooperate and communicate, provide support for all parties and improve the capital environment. Keywords: small and medium-sized enterprises, financing problems, countermeasures. I. Background and Significance of Topic Selection .............................................. 7 2. Analysis of the financing situation of SMEs ........................................ 9 (1), endogenous financing ................................................ 1 1 (2), Indirect financing ................................................ 1 1 (iii), direct financing ................................................ 12 1, Capital Security ................................................. 12, Venture capital ..................................................... 13 3, policy financing ................................................... 133, Analysis of the causes of financing difficulties ............................................ 14 (1), national policies discriminate against SMEs, ................ 14 (2) is not conducive to SME financing, ............ 15, financial institutions fail to improve the financial services of SMEs according to market requirements, and the overall quality of SMEs is poor. Low credit ability .......................... 16 iv. Countermeasures .................................................... 18 (1) In terms of government policies, ............................................ 18 1, ............... 18 2. accelerate the establishment and improvement of SME loan credit guarantee system led by the government. ........... 19 3. establish and improve the relevant laws and regulations of the growth enterprise market as soon as possible. ............................... 20 (2), As far as financial institutions are concerned, ............................................ 20 1 accelerates the market-oriented reform of state-owned commercial banks, ................................. 20 2, state-owned commercial banks improve the credit management system ................................. 2 1 3. Establish small and medium-sized financial institutions, ......................... 2 1 (3), ............................................ 22 1, strengthen internal financing, establish ......................... and joint-stock cooperative enterprises, and improve the financial system. Improving the credibility and transparency of information in ......................... 23 3. Strengthening the concept of credit and improving the credit rating in ................................... 23 4. Joint venture of small and medium-sized enterprises, Realizing the effect of production cluster ............................. 23 Appendix ............................................................ 25 references ........................................... ............. 33 thanks ............................................................ 35 The above answers come from: /html/5 1/