The Research On The Small And Medium-sized Enterprises Loans In The Industrial And Commercial Bank Of China Of Zibo Branch

Since the reform and opening up, It has been rapidly developped for the small and medium-sized enterprises. As a new economic power, It playes an increasingly important role in the national economy. At the same time, along with the development of SMEs, financing difficulties and obstacles encountered more and more attention. In order to solve these problems, the government carried out some policy. For example, encouraging commercial banking to lay emphasis on the small and medium-sized loans. In addition,the People Bank also made the lowest ratio of loans refer to SMEs. However,the new policy is not strong.Therefore, based on the work of sixteen years of the author in the Industrial and Commercial Bank, according to the MBA stage of the theoretical knowledge and research methord,and based on existing research platform, from the perspective of the bank, It analysis the loans to SMEs problems, such as system of loans, way of assurance, the verity of loans, and risk control, etc. and point out the assurance, variety of loans, constraints in SME loans. Then, made on this basis to establish the specialized agencies, innovate the way of assurance, streamline credit processes, and improve risk control system and other measures to address the difficult problems of financing small businesses. Small and medium-sized enterprises are looking for financing for the current reference and guidance of the daily work.The main contents of the article contains as follows.The first part, Introduction, It describes the research background and research significance.The second part, It analysis and argues the domestic financing status of SMEs, summarizes the experience of SMEs financing at home and abroad , and sums up the appropriate experience and enlightenment.The third part, It analysis the problem of the small and medium loans of Zibo Industrial and Commercial Bank, such as the system of loans, the way of assurance, the verity of loans, and risk control, etc. With the decrease of the small and medium-sized enterprises loans in the recent years of the city of Zibo, one hundred Representative small and medium-sized enterprises are selected from the high-tech development zones, which are financing for business, Then, investigates and analysis the reason of difficulty of loans.The fourth part, based on analysis of the small and medium-sized enterprises loans problems, and combined with the city of Zibo's specific financing conditions, it may bring up some valuable proposals and suggestions about how to solve the problem of financing of the small and medium-sized enterprises in the Industrial and Commercial Bank of Zibo Branch.