The Small And Medium-sized Enterprise Credit Financing Plight And Construction Of Regional Private Bank

The small and medium-sized enterprises occupy the important position in national economy and in promoting economic growth, expanding employment and dynamic markets, and play an important role in promoting China's economic and social development as a vital force. But for the majority of small and medium-sized enterprises, financing for development is constraining the greatest bottleneck, and that is primarily between SME and banks more serious information asymmetries, as well as China's economic transformation system barriers. The regional private banks can effectively ease the plight of the SME credit facility, and help to enhance the financial resource allocation optimization. Defining to the connotation and characteristic of the regional private banks, which have a comparative advantage in indirect financing and advantageous to financial resources allocation optimization and have a good growth, this paper justify to the need and feasibility for private banks. Then the paper logically proposes two kind of patterns of the regional private bank construction—built pattern and reform pattern, proposes regional private bank construction should not have the united pattern, but should regard the concrete condition to decide what specific pattern selected. Finally, in order to create a favorable external environment for the regional private bank, the article thinks the establishment and development of regional private bank need to strengthen the system construction, to speed up the interest rate market, to perfect social credit system, to improve SME credit guarantee system and strict financial supervision.