| The development of small & medium enterprises (SMEs) can meet various needs of people, increase employment and reduce the gap between the urban and rural areas.So, it is of great importance for the construction of a harmonious society. But the difficulty of obtaining financing is always one of the problems that restricts the development of SMEs. However, in a long period, commercial banks have not put a high value upon the financial requirement of SMEs in China and some old traditional methods that are adopted by commercial banks and SMEs do not suit the development of the whole economic environment any longer. With the furious competition, the yield that commercial banks benefit from the big enterprises gets less and less. So it is of immense importance for the commercial banks to explore the solution to develop the financial business of the SMEs. The text consists of the following four chapters:Chapter 1: Introduction. Firstly, I explain the reason to choose this title. Then I introduce the studies on this question both in home and abroad. At last I give the innovation and structure of this paper.Chapter 2: The definition of SMEs and the situation that the commercial banks develop the financial business on SMEs. By comparing the definition of foreign countries and combining the station of SMEs. I suggest the common standards and analyze the developing condition of the financial business about commercial banks and SMEs. Then, I refer to the fact that the credit model which is adopted by commercial banks do not adapt financial business of SMEs.Chapter 3: The reasons that lead to the difficulty of commercial banks improving SMEs'Financial business. Based on the credit data about the small and medium customers in a sample commercial bank, I show five facts to describe the reasons which block the SMEs'Financial business development of commercial banks.Chapter 4: Advise the policy suggestions on improving the financial business between commercial banks and SMEs. |
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