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With the deepening of economic reform , China's SME development problems caused by more and more people talking about , for two main reasons : on the one hand , SMEs support China's economic development has become a strong driving force for sustainable growth , and even become an important foundation for social stability ; the other hand, the further development of SMEs are suffering more and more serious difficulties, especially the financing problem has become the biggest obstacle to the development of SMEs bondage . At present, China 's economy is in institutional transformation and structural adjustment period , SME financing issues are more complicated to solve this problem , you must first analyzed the underlying causes of SME financing . This paper argues that SME financing is mainly due to three aspects: First , the SME asset thin, the existence of its own high-risk operations , financial systems , credit awareness and Credit defects such as a direct result of a lack of financing for SMEs dilemma ; Secondly , the existing financial system is imperfect, system supply is insufficient to meet the funding needs of SMEs ; Third , long-term industrial and economic and financial policy-oriented ignored or overlooked the funding needs of SMEs , so that problem has accumulated , more severe. Through analysis of the underlying causes of SME financing , and learn from other countries and regions, SME financing experience , this paper argues , to solve the financing difficulties of SMEs in China Outlet mainly following three aspects: First , strengthen the internal financing capacity of SMEs ; Second, improve the service system of indirect financing for SMEs ; Third, improve the SME capital market system .
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