Chinese Sme Credit Facilities Study

In national economic development, the science-technology small-medium-sized enterprises (Hi-tech SMEs) are the most effective carrier for absorbing the high tech achievement, have the technology to update faster, faster information delivery, short cycle operation, high input, high-risk, high-return characteristics. The development of Hi-tech SMEs could alleviate the employment pressure, and optimize investment structure and industrial structure. As small-scale and weak anti-risk ability of Hi-tech SMEs', in the face of enormous capital investment, only to rely on internal funds are difficult to accumulate, and therefore there is necessary to facilitate and improve the system of external financing to support. As an important external environment of technological innovation, the financing mechanism whether to working closely with the country technology policy, is a crucial factor in restricting Hi-tech SMEs technological innovation, because which is directly related to the ability to effectively attract social funds to participate in scientific and technological development, and gradually formed a diversified scientific and technological investment and financing system. However, Hi-tech SMEs have been facing financing difficulties in reality.This article is based on the perspective of the city commercial bank credit to explore the problem of Hi-tech SMEs' financing and countermeasures. Firstly, illuminates the research background, basic ideas and specific method. Secondly, analyzes china's city Commercial bank and credit financing condition of Hi-tech SMEs separately, and credit restraint reason from internal and external factors. Thirdly, analyzes the credit necessity, feasibility and power mechanism. On the one hand, as encountering credit restraint, Hi-tech SMEs have the urgent need for city commercial banks to provide credit financial services. On the other hand, city commercial banks have the advantage of cooperative mechanisms with Hi-tech SMEs. Increasing credit is determined by the innate factors of city Commercial bank, but also to cope with the international financial competition for survival needs. Therefore, the city commercial bank to increase loan is a win-win result, in line with the Pareto optimality. Meanwhile, the city Commercial bank will improve the liquidity, safety and benefit of credit assets. City commercial banks have been the survival and development, contribute to our country is relatively stable and balanced to form a large, medium and small banks symbiotic system, help to fill financial services vacuum arising from the strategic adjustment of large banks, help to promote financial services differentiation and accelerate the competitiveness of China's banking industry. Meanwhile through making the gambling analysis of the city Commercial banks' cautious loan phenomenon, loan asset quality pressure of Hi-tech SMEs conclusions are derived from. Thus, the core of solution to the financing of Hi-tech SMEs is how to optimize the quality of credit assets. Finally, Combination of domestic and foreign small and medium-sized banks to solve the financing problem of the advanced experience, using normative and empirical analysis, qualitative analysis with quantitative analysis methods, consider Hi-tech SMEs financing problems, reasons and advantages, and to improve the financial ecology, a clear market position, strengthen internal control mechanism, to guard against financial risks, improve several aspects of information disclosure system to raise the issue of countermeasures.