Financing Difficulty of Small Enterprises and Incubator System

Abstract

Through the practical study with 132 small enterprises,it concludes that the concrete causes of financing difficulty of small enterprises come from two aspects,namely,the macroscopical financing system and the internal characteristics of small enterprises.It points out that the financing difficulty of small enterprises can be resolved from micro level by inserting incubator system between the credit suppliers and small enterprises.Because the financing services can be shared,decentralization can be changed into intensification,resources can be optimized,so the small enterprises' financing feeler can be extended and their internal defect can be made up.Furthermore,the resultful control can be realized,so the risk of the credit suppliers can be minimized.Finally it puts forward that the development of incubator should be deepened,the service of incubator should be located on the internal characteristics of small enterprises,and incubator should be developed to intelligent intermediary industry,and so on.