澳洲论文代写价格
A sound SME sector is maintained to be decisive for sustainability of economic development in a just now industrialized country, specifically a country going through shift from planned to market economy (Junjie, Jining and Catherine, 2008). Even though it is normally approved that SMEs have considerable giving on a country’s economic development, this sort of enterprises are question to financing complexities, predominantly those in developing or transitional economies. There is little proof of shortage of financing for SMEs in the majority of developed economies such as US, UK and Japan. However, there is a extensive difficulty of SME access to finance in developing or transitional economies (OECD, 2006). Today China as developing and transitional economy is ranked as the second largest economy in the world after the US, and when it comes to developing countries, it the first largest. SMEs play a significant role in Chinese economy. As evidently in 2009, SMEs in China threw in 35 percent of the country’s total GDP, however, SMEs access to financing accounted for just 6 percent of the total (Jiaobin and Yuanyi, 2011). For this reason, the issue of financing has turned out to be the major concern for SMEs in China. This study examines banking market concentration and SMEs bank financing difficulty in China, one of the leading developing or transitional economies in the world that accomplished most fast economic growth.
Financial services, mainly the loans required for SMEs growth in China far go over the real sum supplied. Even though nearly all funds starts off from self-accretion or fundraising, whilst first setting up a SME, more than 50 percent of SMEs yet depend on loans from banks. All through the route of making and investment growth, mostly working capital and a little fixed assets investment, the loans demand from banks are larger. If a SME wishes to invest, there requires funds from banks. Apart from for a few well-performing SMEs, the huge greater part does not have an adequate amount of self-accumulated funds to scrupulously get together investment supplies so they ought to come across a method to fill up the gap in financing. Because of definite confines, it is very complicated for SMEs to get hold of capital or venture capital from the capital market in a straight line. Consequently to a great degree, except they get a private loan, SMEs ought to depend on finances from banks and supplementary funding organizations to achieve outside funds (Junjie, Jining and Catherine, 2008).
China has attained an extraordinary economic development, and the country’s economic growth rate has already improved on that of France and is all set to go beyond Japan almost immediately. Moreover, it is forecasted that this growth will even catch up to the US in coming years. Behind this, however, banks’ bad loan problems have been deepening and a stock market slump has become apparent lately. SME sector plays a decisive role in the growth of Chinese economy contributing 35 percent, but the growth of the economy may be blocked if financing and credit system for the SME sector is not made smooth, given the fact that SMEs access to financing accounted for just 6 percent of the total. The fundamental problem is that there are flaws both in the SMEs management and financial system. Therefore, this study explores and analyse the problems which SMEs in China are faced with in terms of financing, particularly in relation to loans from banks.
健全中小企业部门保持在现在的工业化国家，经济发展的可持续性是决定性的，特别是一个国家经历了从计划经济向市场经济（俊杰，济宁和凯瑟琳，2008）。虽然它通常是通过中小企业有很大的对一国经济的发展，这类企业融资的复杂性问题，主要是那些在发展中国家和转型经济体。这是对发达经济体如美国大多数中小企业融资不足点证明，英国和日本。然而，有一个广泛的中小企业获得融资的难度在发展中国家和转型经济体（OECD，2006）。今天，中国作为发展中国家和转型期经济排名为世界第二大经济体后的美国，而在发展中国家，它的第一大。中小企业在中国经济中发挥重要作用。显然在2009，中小企业在中国把国民生产总值的百分之35，然而，中小企业获得融资仅占总数的百分之6（jiaobin和元一，2011）。因为这个原因，融资难问题已经成为中国中小企业的主要问题。本研究探讨银行业市场集中度和中小企业银行融资难的在中国，一个领先的发展中国家和转型经济体在世界上经济增长最快完成。
金融服务，在中国中小企业的增长远远超过实际需要和提供主要的贷款。尽管几乎所有的资金开始从自我增生或筹款，而首先建立一个中小企业，百分之50以上的中小企业却依赖于银行贷款。通过与投资增长的主要路线，营运资本和一个小的固定资产投资，从银行的贷款需求大。如果一个企业投资意愿，有需要的资金从银行。除了少数表现良好的中小企业，巨大的大部分没有自我积累的资金将一起投资供给所以他们应该遇到的方法来弥补融资缺口足够数量。由于明确界定，这是中小企业从资本市场获取资金或风险资本保持在一条直线上非常复杂。因此，在很大程度上，除非他们得到私人贷款，中小企业应该取决于银行和补充基金组织资金来实现外部资金（俊杰，济宁和凯瑟琳，2008）。
中国取得了非凡的经济发展，与国家的经济增长率已经在法国进行改进，将超越日本几乎立即。此外，据预测，这种增长甚至会赶上我们在未来的几年。这背后，然而，银行的不良贷款问题得到了深化和股市暴跌已成为明显的最近。中小企业在中国经济贡献了百分之35的增长起着决定性的作用，但经济的增长可能是如果为中小企业融资与信用体系是不光滑的封锁，鉴于中小企业获得融资仅占总数的百分之6。根本的问题是，有两个在中小企业管理和财务制度的缺陷。因此，本研究探讨和分析在中国中小企业在融资方面面临的问题，特别是在关系到银行贷款。
