Study On Small-medium Enterprise Bank Financing In Chongqing

Today,the small-medium enterprises have steadily developed in our country. Their ability of payoff swells. And they play an important role in the economy and are heavily dependent on bank financing for external capital. But because there is alack of effective finance support in our country, especially a block in the pipes of bank financing, it puts ties in the way of small-medium enterprise development. In this paper, based on a great lot statistic data of all-china and Chongqing, the problem of the small-medium enterprise bank financing is systematically analyzed and a series of methods are proposed to help small-medium enterprise make a loan from bank. Meanwhile, investigation from a point of view of bank is emphasized.The results show that:(1) The problem of small-medium enterprise bank financing is a usual thing in society. The more the territorial economy drops behind, the more the problem is serious. There is a lack of policy finance construct in our country. Although much support policies are declared, the position of small-medium enterprise in the bank credit system does not change. (2) The credit resources focus in only a few fields or clients is in evidence in Chongqing credit market. That results in many factors, and can not reform in a short period. (3) Imperfect information is the central reason for the problem of small-medium enterprise bank financing, not only between small-medium enterprise and bank, but also inside the bank. It results in bureaucracy and low efficiency of bank credit system (4) In order to decrease imperfect information in credit market, it is very important to make the credit management system perfect. That includes credit evaluation, credit collecting system, credit assured, etc.So, to solve the problem needs many society aspects to try hard, and the credit market needs to build together. But at the moment, to the small-medium enterprises in Chongqing, because the state commercial banks hold the main position in the credit market, so that the innovation of the credit management system of commercial banks owned by state is the key to solve the problem. The innovation of state commercial banks, firstly, is to build correspondence inspiriting and restricting system, to encourage its braches loan to small-medium enterprises. The secondly, it should build and carry on credit flexibility examining and approving system. Finally, it should create financial products adapted to small-medium enterprises. On the other hand, small-medium enterprises should keep and strengthen relationship with commercial bank, improve level of management and profit, make information of enterprise more transparency. All of these will help the small-medium enterprises ask the commercial bank for a loan.