Research On Bank Loan For Small-and-Medium Sized Enterprises And It's Solution In China

Nowadays, bank loans are the main channel for small-and-medium-sized enterprises (SMEs) to obtain outer-finance. SMEs play a crucial role in economy in china. On the contrary, the majority of SMEs have been deeply troubled by it. This issue is mainly involved in three bodies——enterprises, banks and credit guarantee institutions,but also related to the relevant law and regulations ect. So, the point of view this thesis is built around these fronts.Causes of the issue lies in aspects below: The quality of SMEs needs improving as a whole; Banks change their management doctrine, inner institution-building of it falls behind, as well as support of small-medium sized financial institutions is not satisfactory, credit guarantee institutions'scale is not so strong, risk compensation and dispersion lacks, credit guarantee institutions and capital market are imperfect.America set a good example for the other countries in solving this problem. It not only establish a series of measures to pave a way for SMEs getting bank loans, but promote capital market vigorously to broaden direct financing way for SMEs. Financing gap of SMEs in America has been settled to some extend.So, we should learn it's experience and pay attention to direct bank loans as well as perfect capital market——establish growth enterprise market.