Proceedings of the 2024 2th International Conference on Economic Management, Financial Innovation and Public Service (EMFIPS 2024)

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Analysis of the Relationship Between Financing Channels and Enterprise Characteristics of Small and Medium-Sized Enterprises

Authors
Shiman Ji1, *
1Jinan Deya High School, Jinan, 250132, China
*Corresponding author. Email: 3279153860@qq.com
Corresponding Author
Shiman Ji
Available Online 7 May 2025.
DOI
10.2991/978-94-6463-706-9_33How to use a DOI?
Keywords
Small and medium-sized enterprises; financing channels; characteristic selection; internal financing; bank loans
Abstract

Small and medium-sized enterprises (SMEs) are essential drivers of mass innovation and entrepreneurship. They play a crucial role in boosting employment, stimulating economic growth, fostering technological advancement, and promoting social harmony, thereby holding considerable strategic significance for the national economy and social development. Nevertheless, SMEs currently face several financing challenges, including restricted financing channels, elevated financing costs, and inadequate policy support. This paper examines the characteristics of various types of SMEs and assesses the advantages, disadvantages, and suitability of the financing channels available to them. The findings indicate that SMEs continue to face numerous obstacles; however, they should select appropriate financing methods tailored to their specific characteristics, while primarily relying on internal funds and bank loans as their main sources of capital.

Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the 2024 2th International Conference on Economic Management, Financial Innovation and Public Service (EMFIPS 2024)
Series
Advances in Economics, Business and Management Research
Publication Date
7 May 2025
ISBN
978-94-6463-706-9
ISSN
2352-5428
DOI
10.2991/978-94-6463-706-9_33How to use a DOI?
Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Shiman Ji
PY  - 2025
DA  - 2025/05/07
TI  - Analysis of the Relationship Between Financing Channels and Enterprise Characteristics of Small and Medium-Sized Enterprises
BT  - Proceedings of the 2024 2th International Conference on Economic Management, Financial Innovation and Public Service (EMFIPS 2024)
PB  - Atlantis Press
SP  - 363
EP  - 371
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-706-9_33
DO  - 10.2991/978-94-6463-706-9_33
ID  - Ji2025
ER  -