Improved Means Of Financing Based On The Value Of Financing Sme Bank Credit

Based on improving and researching for the channel of the small business bank financing (SMES)SMES has been a worldwide problem, which has been known as the "Macmillan gap". Because of that, there are highly attention and extensive research on the theorists , academics, industry, banking sector. SMES has achieved great success and affectivities in the world. Including china, SMES in china has achieved chiefly in indirect financing and supplemented by direct financing, which has composed multi-level financing system, such as SEMS, debt collection, credit bonds, third market, the new third market .The leader role of the government hasn't got great effect on EMES, the construction of credit system also not perfect, and the bank credit has been restricted by barriers, so the phenomenon of EMES in china can not solved temporally. Because of our underdeveloped capital market, the main channel of SMES is still the bank credit facilities .Due to asymmetric information, credit technology, credit rationing, financial repression and other factors, the channels of SMES has been very poor. This thesis is based on the background above, research on the improving channels for SMES .This paper has summarized, analyzed and rational analysis of SMEs situation ,so we come into a conclusion that the basic reason of difficulty on bank credit is the lack of means of scientific evaluation, so a credit rationing and adverse selection has resulted .concerned on this situation, we put forward a model for SMEs which is valued-based financing bank credit , and a theoretical analysis and verification has done to it, then we know financing can basically improve the channels of SMEs Finally, applying the valuable financing scientifically in the county branch of bank, which proves the modal of SMEs'credit financing cruelly based on the valuable financing and solves the difficulties of SMEs'financing is a better"Pa Lei Tuo"improvement. Another adjusting structure and transforming form increases efficiency transformation method which is an useful method .For a modern commercial bank in credit financing respect the way is a certain guidance and practical significance. At the same time, the SME bank credit financing for the promotion of urban construction is practical significance.