At present, the difficulty of financing in the development of small and medium-sized enterprises has seriously hindered their healthy development.

In view of the poor financing environment and difficult financing problems of small and medium-sized enterprises, many experts and scholars have conducted research and discussions and put forward many valuable suggestions and countermeasures.

Judging from the current national conditions of our country, I believe that the operating conditions of small and medium-sized enterprises themselves, the institutional constraints of banks, the lack of government support and the existing social environment are the main reasons for financing difficulties.

Improving the quality of enterprises, reforming the existing financial system, giving full play to the guiding role of the government, and cultivating a good social credit environment are the main strategies to alleviate the financing difficulties of small and medium-sized enterprises.

1. Preliminary analysis of the reasons for the financing difficulties of small and medium-sized enterprises. In recent years, the Party Central Committee and the State Council have attached great importance to the development of small and medium-sized enterprises and have issued a series of policies to support small and medium-sized enterprises in product structure adjustment and technological transformation. The central bank and various commercial banks have also gradually recognized Realizing the importance and huge potential of the development of small and medium-sized enterprises, we have formulated a number of credit policies to support the development of small and medium-sized enterprises. These measures and policies have indeed alleviated the current financing difficulties of some small and medium-sized enterprises to a certain extent. However, due to the influence of various factors, small and medium-sized enterprises have Corporate financing is still subject to many restrictions, and the problem of financing difficulties has not been actually solved. It is mainly reflected in the following aspects: (1) Mechanism obstacles for small and medium-sized enterprises 1. Lack of effective mortgages and guarantees 2. Small scale and low capital technology density , backward technical and equipment level 3, lack of talents, backward management 4, low credibility of product quality, weak credit concept, lack of credibility (2) Institutional constraints of banks 1. Financial reform is not in place, and the commercialization level of commercial banks is low 2. Banks Requirements for risk control 3. Requirements for banks’ intrinsic economic interests 4. Lack of laws and regulations to protect banks in supporting financing of small and medium-sized enterprises (3) Social environmental factors 1. Insufficient state support for small and medium-sized enterprises 2. Direct investment channels are obstacles to small and medium-sized enterprises 3. Lack of financial institutions that specifically provide services to small and medium-sized enterprises 4. my country’s credit guarantee system is imperfect 5. The construction of risk investment mechanisms lags behind 2. Countermeasures for financing small and medium-sized enterprises 1. Enterprises must further strengthen their own construction in all aspects 2. Financial institutions must Accelerate reforms, change concepts, and provide services for the development of small and medium-sized enterprises.

3. Give full play to the role of the government and create a good social financing environment. About 1 million companies close down in my country every year, with an average of 2 companies closing down every minute. As long as any small, medium and micro enterprise survives for more than 3 years, it has reached the average level.

In fact, in the final analysis, it is because the company does not have enough funds, so it is easy to overturn.

If the entrepreneur himself lacks financial resources and cannot find investors, it is recommended that you try your project on different platforms, such as Mingde Capital Ecosystem, Whales, Chuangye.com, etc.

Under normal circumstances, funds and investors will cooperate with financing platforms, and they use the platform to screen projects worthy of investment.

You must keep your eyes peeled when choosing a platform online. Many platforms cost tens of thousands of dollars in fees but have no results.

If you are not sure, it is recommended to try the Mingde Capital ecosystem. Mingde Capital itself is engaged in investment, which is different from many platforms, which only act as intermediaries.

In addition, Mingde has more than 1,800 cooperation fund resources, and the docking rate for offline activities is relatively high. Hundreds of people participate in each event, nearly a hundred investors will be present, and many companies have received financing.

Hope this helps.

If you still have questions about the causes and countermeasures of financing difficulties for small and medium-sized enterprises, you can click the online consultation button below to talk directly to the teacher.