Sme financing problems related to the analysis First small and medium-sized enterprises financing status Reform and opening up china for 30 years of small and medium-sized enterprises obtained arapid development of enterprises 99 of the small and medium-sized enterprises of our countrymore than 60 GDP contribution tax over 50 provides 70 of import and export trade and80 of urban jobs. Small and medium-sized enterprises in our country is also an important powerof independent innovation 66 of invention patent 82 of new product development of smalland medium-sized enterprises from small and medium-sized enterprises has become the economicprosperity expanding employment adjusting structure promote innovation and new industriesof important strength. From 80 years since the outbreak of the international financial crisis the implementation ofthe positive fiscal policy and loser monetary policy but no small and medium-sized enterprisesfrom the proactive fiscal policy and moderate looser monetary policy benefit directly for instanceof the new 2008 225 million small loan only more than previous year but rose only theloans increased 09 year three months of national credit increased 48 trillion includingloans to small and medium-sized enterprises increased amount only less than 5 .Current loanfinancingdifficult has become the bottleneck of restricting the development of small andmedium-sized enterprises and smalland medium-sized enterprise production and managementfaced difficulties according to the state statisticalbureau of statistics and letter until the and of2008 in the small and medium-sized enterprises of production or collapse closedaccounts forabouturbanemploymentthissituationisnotonlymoredifficulteconomic recoveryinfluence anddirectlyaffect the growth and development of people s livelihood stabletarget .Inthissense the international financialcrisis undertheimpact of China s economy could not reallylow the key is out ofsmallandmedium-sizedenterprisesvitalitycan befullyrecovered. Second the sme financing reason analysis Sme loans and financing is a cosmopolitan should say see both from Chinaand mechanismof medium and small and medium-sized enterprises there are three main reasons: first themedium and small and medium-sized enterprises small and medium-sized enterprises generallyweak awareness of honesty similar to a few of the common phenomenon may report on tax onsome less ugly statements in Banks this intersection some may form good-looking such loanspoint is reliable became a problem. But this approach is very adverse instead of enterprisesthedevelopment of small and medium-sized enterprises are not healthy we imagine if severaldepartments with all those together the first this enterprise is not sincere he will have a manufacture and export-oriented smes in human resources technology capital marketenvironment faced financial crisis there was a huge pressure the development of it is the rootcause of the scientific and technological content of the enterprise the innovation ability of highenough to enter the market is weak the low threshold the fierce competition in the market willincrease these are not good for the development of small and medium-sized enterprises. Secondfrom the bank for small and medium-sized enterprise credit conditions stricter because we aremost Bands it is also considered commercial bank the risk of their own profits. To the end of2008 the small bad loans is higher than that of the entire banking industry relies low come mampasolving some problems bur the loans of the small and medium-sized enterprises like a bigproblem once countries will still enterprises especially those small problems once thebankruptcy nobody tube so the loan quality cannot guaranteed so in this management system toreduce the risks the bank will demand of small and medium-sized enterprises in providing enoughafter pawn dare loan. Another bank from theoperation cost of small andmedium-sized enterprisesdo loanswill pay more manpower so also does not want to extend loansto small andmedium-sized enterprises A bank operating coststhe half is labor cost small and medium-sizedenterprisesespecially do small very high labor workload but it is the benefitof differentthe sme financing channel is too narrowandsmall and medium-sized enterprises in thecapital markets havedirect financing ways of securities market including small plateand gemAnd private equity funds industrial investment fundsventureinvestment funds risk investmentfundsand thebondmarketetc.But since the2008 the smallplate marketsecuritiesissued after huachang chemical and closed thedoorjust recently IPO to restart the IPO. But gemis“ ten yearssword peopleuntil now only be vivivdly portrayed. Althoughwith gemlisting conditions but a lot of small and medium-