Reflections on Small and Medium-Sized Enterprises' Financing Difficulties
Financing difficulty is becoming an important problem for small and medium-sized enterprises during their development. By analzing the reason of the problem, the paper provides several strategies to solve the problem. 1) Commercial banks should change minds and performing philosophy to serve the small and medium-sized enterprises; 2) Tailor-made financial services, such as creative products and services, should be given to these enterprises; 3) Commercial banks should widening the channels of direct financing and setting up the guarantee financing system are also essential to solve the problem.