On Cause and Policy Suggestion of Medium-small Enterprise Financing Dilemma of China

The medium-small enterprise has become an important role to promote economic development. But due to the medium-small enterprise imperfect financing service system, the commercial bank is not willing to finance the medium-small enterprise for its profit needs to scale economy, the medium-small enterprises’ opaque information, the difficulty integrity assessment, the imperfect credit guarantee system and their own reasons cause the financing dilemma. It is suggestion that the government should make more for the medium-small enterprise on the management and support, from the financial reform of view to utilize private funds, to set up a special of the medium-small enterprise credit cooperatives, strengthen the brand construction, implement of the medium-small enterprise credit joint guarantee loan system, improve the small and medium-sized enterprise credit level, develop the medium-small enterprise loan defaults social insurance business, increase the enthusiasm of the commercial bank loans to solve the medium-small enterprise financing dilemma.