1. Why did you choose this topic? Meaning and purpose?

2. What are small and medium-sized enterprises? What is the development process of small and medium-sized enterprises?

Instead of obsessing about what you will ask, learn more knowledge and consolidate yourself, so that you can answer everything you ask.

1, SME financing refers to customized financing solutions launched by financial institutions for SMEs. Existing enterprises have completed the project investment and construction by self-financing. There is no new independent legal person before and after the completion of the project. Debt funds such as loans are actually used for project investment, but the debtor is a company rather than a project. The cash flow and assets of the whole company can be used to repay debts and provide guarantees; In other words, the creditor has full recourse to the debt. Even if the project fails, the company has to repay the loan, so the risk of the loan is relatively low.

2. Due to the weak solvency of enterprises, small financing scale, low degree of financial standardization and imperfect corporate governance mechanism, the ability of SMEs to resist risks is generally weak. Therefore, large financial institutions generally lack relevant financial service plans, mainly because banks have set up complex risk control procedures to control risks, and the final income is generally low. The financing of small and medium-sized enterprises generally obtains the funds needed for enterprise development through underground banks, private equity funds, guarantee companies and investment companies.

3. China advocates the comprehensive use of government subsidies, technology loans, capital markets, venture capital and bond issuance to strengthen financing support for SMEs. However, a perfect financing system for SMEs has not yet been established.

2065438+On July 30, 2002, Premier Wen Jiabao of the State Council presided over the the State Council executive meeting, demanding that all regions and relevant departments earnestly implement relevant policies to encourage private investment, and pay close attention to studying and solving some specific problems such as unclear rules, standards and conditions of industry access reflected by enterprises. With the support of the State Council's new 36 rules, financial leasing is also an important channel for SMEs' financing, which has ushered in a new dawn.