The Research Of The Bank Short-Term Raising Capital Of The Middle And Small-Scale Enterprise

Presently,with the rapid development of middle and small -scale enterprise in china,it has becoming new engine in economic life, playing a more and more impormant role in china's economy life ,but difficulty of raising capital has becoming bottleneck for development of enterprise in china.In case of china, short-term raising capital from bank is till main way form M.S.E, therefore, for low of anti-risk capability and low business cridet rating of M.S.E, at the same time,for lack understanding of capital product and requirement of raising capital from bank,it has result in difficulty situation for M.S.E raising capital from bank. How to help M.S.E effectively raising capital from bank, improving raising capital situation, to ensure further development is a subject with important practice meaning, Author, with rich experience of working in banking, make a deep study and analysis for question mentioned above from point of theory and practice.Theme beginning from relevant theory of bank raising capital firstly, definite the conception of M.S.E .propose method of raising capital in line with its own charactristial for enterprises stay at different development stage according to period cycle of enterprise.at the same time .analysis objectively problem exesited and main caue .proposed basic solution for problem mentioned above from economy point according to present state of raising capital difficulty of M.S.E in china . Secondly, according to investigation author himself involved, analysis demostratly present state of raising capital for M.S.E, make a fully and deeply analysis raising capital situation for M.S.E from theory and practice.Third, from banking side, introduce systemly the evaluation stardand for M.S.E loan, It is benefit to help M.S.E to analysis whether itself in line with the loan stardant of bank, confirm suitable rating capital channel, then .introduce main capital product for M.S.E raising capital, to help M.S.E select suitable propose finicial product. Finally, from enterprise, analysis objecively, how to effectively raising capital from bank .provide practice propose for enterprises raising capital from bank timely andefficient.Thesis emphasis the intergration of practice and theory, with strong pertinency, having guidance meaning for M.S.E raising capital in pratice. in other words, this is a mammual for M.S.E short-term raising capital from banking in practice.