1、 Sme financing causes and solutions Abstract As a new financing lease financing tools ,In recent years in our countrys modern economy is developing rapidly .However, most of the lease financing companies in actively explore the market at the same time .The risk of financing lease knowledge and under
2、standing but will stay on the surface .Risk control work also at groping stage .Construction perfect, system risk control system necessary and urgent .The author financing lease in a systematic, on the basis of risk .According to its own work experience, The system is presented countermeasures .To h
3、elp enterprises to renew the idea .Do risk control work . Keywords: financing lease risk risk control Some financing causes and solutions Lynn M.Fisher Since the reform and opening up, the Chinese small and medium-sized enterprises are the rapid development of Chinas national economy, improve the co
4、ntribution, small and medium-sized enterprises in promoting economic growth and create jobs, increase farmers income, the transfer of rural surplus labor force is playing more and more important, etc. However, in recent years, the development of small and medium-sized enterprises facing great diffic
5、ulties. Especially the influence to the further development of small and medium-sized enterprises in China is the most important factor to same financing channel is narrow, financing, financing number structure unreasonable, financing cost is high. If less than 30% of the industrial sector contribut
6、ion of state-owned enterprise occupied 70% of bank loan, but creates 70 percent of the GDP of the non-state-owned enterprises only 30% of the bank loans. If this phenomenon is not sufficient to improve, small and medium-sized enterprises will be difficult, sustained and rapid development of the whol
7、e national economy will directly influence the development. 1. Some financing reason analysis From the above we can see the present financing, financing China has restricted the development of small and medium-sized enterprises. The reason is that both small and medium-sized enterprise itself, also
8、have bank management system, there are more reasons of national policy. 1.1 Enterprise itself. (1)The small scale of capital, small and medium-sized enterprises information idea indifference. Small and medium-sized enterprises operating in small scale, production technology, product structure behind
9、 a single level and low technology, to resist the risk ability is poor, fluctuating prices of raw materials or products, management risk is bigger. Add small and medium-sized enterprise credit is not high, credit, bank lending non-americans options. Many small and medium-sized enterprise information
10、 disclosure awareness, financial management level is low, the lack of objective information and transparent. In addition, individual small and medium-sized enterprise still malicious smoke escape capital, default, shell, suspended creditor bank, causing serious harm to the loss of credit funds of th
11、e small and medium-sized enterprises, the overall level of credit. (2)Some financial system is not perfect, the internal control system is not perfect, the accounting information distortion, Banks and enterprises information asymmetry, for some financing difficulty increases. Assess, some financial
12、system is not perfect 50%, many small and medium-sized enterprise quality management, low lack of financial management knowledge, major financial decision-making by their heads to decide, management is very chaotic. At the same time, in order to cope with the inspection and supervision department al
13、so prepare two sets, and even more so, enterprise, to provide accurate accounting information, the bank also cannot find the reality of the enterprise to increase the risk of bank loan business. 1.2 bank reasons (1) The policy system of bank loan and unbalanced directly affect the direct financing c
14、hannels. Our financial institutions with four commercial bank, the banking industry and the high altitude monopoly, consistent four bank lending to state-owned enterprises only wish. This is mainly in the ownership of state-owned Banks and enterprises, the differences between the bank and the enterp
15、rise system barriers. In addition, the provisions of the state bank is overdue, bad debts of non-performing loans, so the bank implements process for four years of small and medium-sized enterprises of a more cautious lenders nature and carefully. The securities listed in the strict request, mainboa
16、rd market listed company is mainly for large state-owned enterprises, domestic enterprises, especially the non-state technology enterprises , the second-board market, fund and other forms of financing is still in the early stage of building, medium and small-sized enterprises direct financing channe
17、ls to achieve. (2)Information asymmetry affect the relationship between Banks and enterprises. As the provider of bank capital and cant attend the daily operation and management of funds, and the user (some) of information asymmetry between will bring the contradictions and problems. Usually, the sm
18、all and medium-sized enterprises in the management of state owned more than bank information, therefore, has advantages of small and medium-sized enterprises in the process of contract in the event of using the capital or damage the interests of process, bank of bank risk of excessive. Due to the small and medium-sized
