The Research On SME Financing From The Perspective Of Credit Rationing

Reform and opening up the past three decades,small and medium-sized enterprise,with its creation of social wealth,to resolve employment,exports and tax revenue to increase the level of "brilliant" and became China's economic development a major bright spot,by the people's attention。However,the small and medium enterprises to become "economic star" as the gross national product at the same time make a significant contribution,also suffering from the tremendous demand for the financing constraint.Especially in the current turbulent global financial crisis,how to obtain financial support through the winter becomes the economic survival of small and medium-sized plans.The Chinese economy as a whole,small and medium-sized hing,the economic hing;small and medium-sized waste,the economic bockii.This article from the current situation of SMEs,through a comparative analysis of the data, pointed out that the plight of the existence of SME financing.From funding borrowers, lenders and social systems in three areas of the supply-depth analysis of the causes of the plight of the financing and credit rationing from the perspective of the adoption of more realistic model of the presentation of the small and medium-sized credit rationing being the mechanism.In the above analysis on the basis of demonstrated financial institutions to small and medium-sized loans to small and medium-sized the advantages of data on small and medium-sized financial institutions to small and medium enterprises to carry out an empirical analysis of the promotion.Finally, drawing on relevant international experience,combined with China's small and medium-sized financial institutions in the development of the current situation and problems and put forward relevant policy recommendations.