Reforming and opening 20 old since, the development of civilian battalion economy of Guangdong is rapid, be in all the time the be far ahead of the whole nation in developing a standard. Current, guangdong saves the period that medium and small businesses has entered civilian battalion to develop in the round, rate of growth of total output value of civilian battalion economy is rapid, amount of medium and small businesses increases civilian run continuously, asset dimensions rises ceaselessly, bibcock industry rises quickly, in the meantime, traditional the industrial structure of civilian battalion economy is occurrent change, economy of science and technology civilian battalion is rising abruptly. From Guangdong the development state of affairs of medium and small businesses comes civilian battalion look, its financing has 3 big characteristics.

The first, give priority to with ego financing, rely on interior to accumulate namely, outside financing is smaller. The 2nd, financing channel is narrow, bank credit is civilian battalion the main channel of medium and small businesses. The 3rd, folk is leasehold and rapid develop, make civilian run the important complement of source of financing of medium and small businesses.

　　 The trade off study of financing structure

Industry financing cent is internal financing and outside financing. Internal financing is to show the capital of business support oneself is accumulated, namely interior accumulates means to come financing. Outside financing is an enterprise the financing that the fund that through certain way or have the aid of tool of some kind of finance obtains other realizes, include a company direct financing (financing of creditor's rights equity) , indirect financing (bank loan) , other financing means. Industry financing structure is to point to internal financing and outside financing between, and the scale of all sorts of financing source concerns.

　　 Compare with structure of financing of civilian battalion industry

Concerned data shows, the proportion of financing of interior of medium and small businesses takes Guangdong civilian run 60% , and proportion of financing of interior of civilian battalion enterprise is higher, achieve 90.5% . Guangdong province and structure of financing of industry of complete countryman battalion have collective place, basically rely on internal financing namely. In the outside financing of the enterprise, bank loan takes Guangdong civilian run 20% of financing of medium and small businesses, prep above whole nation the level of 4% ; Guangdong of other direct financing scale are occupied 20% , and enterprise of complete countryman battalion is occupied only 5.5% . The civilian battalion of this specification Guangdong medium and small businesses and whole nation are euqally direct financing channel not free, use stock market or bond market to come hard financing. Excessive the financing structure that depends on internal financing, outside financing to basically rely on a bank to borrow money again restricted Guangdong civilian battalion badly medium and small businesses develops.
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