The Research On The Problem Of The Loan From Commercial Banks To Small And Medium Sized Enterprises

Since state-owned banks started to reform, our commercial banks have been insisting on the stategy of " Top trades,Top enterprises" and have got huge success. But the commercial banks have been in trouble with loan because of the development and change of the situation in recent years. Small and medium sized enterprises (SMSE) have created enormous value and they desire loan from the banks very much. Commercial banks should regard them as important customs and give them support in loan. But most banks cannot give up the traditional views. Their view is that the risk and cost of loaning to SMSE is high, so commercial banks only give small part of their loan to SMSE.After comparing the risk and profit between loaning to large-sized enterprises and loaning to SMSE, we point out the misapprehension and what does the true question exist. On the base of summing up the successful experience of both the native and the international banks, we present the solution. The important content of this paper is below:1, Commercial banks are regarded as the emphasis of analysis in this article.The real reason why the loan from commercial banks to SMSE is so difficult is found. The answer is that commercial banks have many problems in the operational view,managing system and technical tools,etc.SMSE is regarded as the emphasis of analysis in recent years. But the emphasis is changed in this article. Through the contrast between the supply that can be provided from banks and the huge demand from SMSE, we can conclude that commercial banks have an absolute advantage. There are many banks having got success in loaning to SMSE. We can believe that the risk of loaning to SMSE will be low if the banks were responsible in their job. Through analyzing the cost of the loaning, we can find that the unit cost of loaning to SMSE is high in the primary stage but it will decrease with the increasing of the loan' scale. But the rate of the loan to SMSE is higher than that to the large-sized enterprise. So loaning to SMSE is a right selection for the banks in the future and can bring appreciable...