周瑋琦（天津財經(jīng)大學(xué)，天津市 300000）

Abstract: The development of Small and Medium Enterprises(SMEs) is conducive to expanding employment rate in China.Promoting economic prosperity,but SMEs in China,financing difficulties are the practical problems faced by many enterprises.in the process of promoting China's economic development,SMEs must strengthen their own management,and the government should also introduce certain support policies to help SMEs create a better development environment.Therefore,this paper puts forward corresponding financing countermeasures to promote the sustainable development of small and medium-sized enterprises.

Key words: Small and Medium Enterprises (SMEs),Financing,Countermeasures

Since China's Opening up to the outside world,Although SMEs have made some progress,they are still facing the problem of financing difficulties.If SMEs want to develop in the long run,the primary task is to solve the financing problems from the following aspects.

First,small and medium-sized enterprises(SMEs)improve their management.

1.Strengthening risk concept and improving management level

Essentially,both stock and bond financing are investors'investments in financiers.The premise of financing for SMEs is to have investment value,but the investment value of SMEs can't be fully reflected.If SMEs are not well managed,with high financial risks and no investment value,then they can't get investment in the financial market.Therefore,to solve the financing problem of small and medium-sized enterprises,first,small and medium-sized enterprises should start from their own,establish and improve a standardized management system and financial system,strengthen the management awareness of business operators,risk awareness,consciously enhance their own investment value.

2.Speed up Industrial Upgrading and Enhance Profitability.

Industrial upgrading is an inevitable choice for SMEs to enhance their profitability.SMEs should combine the relevant national development planning and guidance policies,find the right investment direction,increase the intensity of business structure adjustment,and actively accelerate technological research and development,improve the competitiveness of products in the market,and ultimately implement from quantitative change to qualitative change.Firstly,SMEs should improve their financial management system and resolutely avoid the appearance of false accounts; secondly,SMEs must pay more attention to credit assets,especially to fulfill their commitments,prohibit the abuse of false financial statements and false items to defraud loans,and pay attention to the establishment of their own good image in the industry.Finally,the scientific management of SMEs can not only bring better development environment for enterprises,but also attract external investors and promote the virtuous circle of financing for SMEs.

Second.The government has intensified its policy support.

The government has formulated policies to support the development of SMEs.Especially in the early stage of development,they need certain financial subsidies and tax preferences to promote their own stable development.First,our government should increase financial support for SMEs and broaden the types of subsidies.Secondly,the tax relief policy can be tailored to the SMEs in different regions.Tax preference is the most immediate way to support SMEs.It helps to promote the capital accumulation of SMEs in the most direct way.Finally,the government departments can insist on the original support policy,and then design a diversified support program,if necessary,try to provide loans for SMEs,and establish a special loan guarantee fund.

Third,Promote the Improvement of the Legal System

We should accelerate the construction of the system and safeguard the legitimate rights and interests of SMEs.To regulate the rights and obligations of all participants in the financing of SMEs,develop local and regional capital markets rapidly,transfer property rights and shares of nonlisted companies according to law,and gather private capital investment,to promote the development and prosperity of SMEs.