Commercial Banks And The Financing Problems Of Smes

Funding difficulty is the bottleneck of the development of the Small and Medium-sized Enterprises(SME). As SME plays more and more important role in China's national economy, how to lessen the funding Problem of SME becomes an emergent task nowadays, At present, SME has few own capital, lack of inner-source financing, Direct financing channels are mostly solving the capital problems of the state-run large and medium-sized enterprise, Since SME will still obtain most its financial aids from banks for a long time, the Paper mainly studies the problem of financing between commercial bank and SME.The paper is to introduce the academic definition of the SMEs and analyze the function of their roles playing in the economy, then analyze the status in quo and existing problem of inadequate financing in detail. Starting from the analysis of the financing relationship between banks and enterprises in small and medium size, this thesis explores macroscopically and microcosmically the causes of state-owned banks'debit and credit transactions by employing the approaches of informational asymmetry and game theory, On the basis of the experiences gained by domestic as well as foreign commercial banks in the of supporting the development of small-and-medium-sized enterprises, the thesis further discusses the problems in small and medium commercial banks' financing supporting of those enterprises. Lastly, the thesis puts forward some countermeasures and suggestions to resolve SMEs' hard financing in three respects: SMEs, commercial bank and the Government.