1. Small and medium-sized enterprises must establish a market financing system. According to relevant data, so far, there are more than 42 million small and medium-sized enterprises in my country, accounting for 99.8% of the total number of enterprises. The number of small and medium-sized enterprises registered with the industrial and commercial administration is 4.6 million, and there are 3,800 individual and private enterprises. Thousands of households.

The value of the final products and services created by small and medium-sized enterprises accounts for about 60% of the GDP, the goods produced account for 60% of the total social sales, the taxes paid have exceeded half of the total, and they provide about 80% of urban employment in the country.

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Small and medium-sized enterprises, including private enterprises, have become the main channel for expanding employment.

It provides about 75% of urban jobs, not only resettling a large number of laid-off urban workers, but also absorbing a large number of rural surplus labor, effectively solving the transfer and employment problems of rural surplus labor, easing the contradiction between labor supply and demand, and thus ensuring social stability.

and economic development.

Small and medium-sized enterprises are becoming the main force of innovation in our country.

While small and medium-sized enterprises, especially small and medium-sized private enterprises, are developing rapidly, they also encounter many problems.

Among them, tight funds and narrow financing channels have become important factors restricting the development of small and medium-sized enterprises.

At present, the financing channels for small and medium-sized enterprises are very narrow. Except for a few large and well-known enterprises, the financing capabilities of ordinary small and medium-sized enterprises are limited.

At present, there are only three financing channels for enterprises: applying for loans from banks, issuing corporate bonds, and issuing stocks for direct financing.

The government has taken the joint-stock reform of state-owned enterprises as a basic measure for the reform of state-owned enterprises, especially large and medium-sized state-owned enterprises related to state-owned economic control. It is difficult for small and medium-sized enterprises to issue corporate bonds and stock listings to raise funds.

On the other hand, it is difficult for small and medium-sized enterprises to obtain approval for the issuance of corporate bonds due to the financial risks involved.

Judging from the current situation, small and medium-sized enterprises mainly rely on their own funds and bank loans for funding.

In fact, it is very difficult for small and medium-sized enterprises to obtain loans from banks.

Judging from the current situation, small and medium-sized enterprises have not yet established an external market financing system. They basically rely on internal financing and snowball development, making it difficult for enterprises to form large-scale production.

The financial contradiction faced by small and medium-sized enterprises is very prominent. Many enterprises with profitable projects cannot maximize their capabilities due to difficulty in raising the necessary funds. This has become an important "bottleneck" restricting private enterprises.

In order to promote the rapid development of small and medium-sized enterprises, especially small and medium-sized private enterprises, a sound financing system must be established. The most fundamental thing is to establish an external financing system for enterprises, that is, a market financing system.

2. Establish a complete, multi-level financing system for small and medium-sized enterprises. For many years, state-owned commercial banks have mainly served state-owned large and medium-sized enterprises. It is difficult for small and medium-sized enterprises to obtain credit support from state-owned commercial banks.

It is necessary to change the guiding ideology of state-owned commercial banks to mainly support state-owned large and medium-sized enterprises, and invest loans in small and medium-sized enterprises that are in line with national industrial policies and have good returns.

Increase credit investment in high-tech small and medium-sized enterprises, actively provide credit, settlement, and information services to small and medium-sized enterprises, guide small and medium-sized enterprises to improve business management, and improve product quality and technical level.

Focus on supporting the development of small and medium-sized enterprises with high technological content, high product added value and market potential, and encourage technological transformation and technological innovation of small and medium-sized enterprises.

Give full play to the role of urban commercial banks and urban and rural credit cooperatives to provide more services to private small and medium-sized enterprises.

Small and medium-sized enterprises use bank loans to develop themselves, both in terms of overall size and the number of individual enterprise loans.

The fundamental reason lies in the failure to establish a real credit relationship between small and medium-sized enterprises and banks.

Banks believe that SME loans are inefficient and risky, and have set strict conditions for SME loans.

The main reason is that the loan requires 100% mortgage and guarantee, and the loan procedures are very complicated.

It is difficult for small and medium-sized enterprises to find suitable guarantors.

Therefore, there are situations where banks want to lend to companies but are afraid to lend, and companies want to use bank loans but cannot.

According to statistics, the loan frequency of small and medium-sized enterprises is five times that of large and medium-sized enterprises, and the average loan amount per household is about 5% of that of large and medium-sized enterprises. The cost of loan management for small and medium-sized enterprises is five times higher than that of large and medium-sized enterprises.

In the credit business, there are situations where small and medium-sized enterprises have serious interest arrears, a high proportion of non-performing assets, and debts have been evaded and abolished during restructuring.

This is also an important reason why it is difficult for small and medium-sized enterprises to obtain loans.

Solution: Establish a complete, multi-level financing system for small and medium-sized enterprises.

(1) Bank financing is still the main channel for external financing of small and medium-sized enterprises.

1. Changes in loan concepts and objects of large commercial banks.

2. Large commercial bank loans should be tilted towards small and medium-sized enterprises.

(2) Establish and develop small and medium-sized cooperative banks or cooperative financial organizations that directly serve small and medium-sized enterprises.

1. City commercial banks or community banks in various places should provide more support to the development of small and medium-sized enterprises and private enterprises.

2. Rural credit cooperatives should issue more small loans.

3. Give full play to the role of village and town banks.

4. Rural capital mutual aid cooperatives.

5. Give full play to the role of small loan companies.

6. Allow personal loans.

7. Give full play to the role of financial leasing and pawns.

8. Allow financial organizations such as standard associations and shaking associations to exist and make them transparent and standardized.

(3) When conditions are ripe, encourage and support small and medium-sized enterprises to list on the GEM or the Small and Medium-sized Board.

Joint bonds for small and medium-sized enterprises can also be issued.