Research On City Commercial Banks Financing For Small And Medium-sized Enterprises

SMEs (Small and Medium-sized enterprises) are the most vibrant and the mostefficient part of the national economy. Since the reform and opening up, SEMs havebeen developing rapidly, but in the particular situation, they still face many problems,especially financing problems. Due to poorly managed system and imperfectfinancial system, it is hard for SMEs to finance enough funds to meet the needs oftheir own development. So the problem of financing has become one of thebottlenecks that restricted the development of SMEs. The number of city commercialbanks, after a dozen year’s of development, has reached145,. The city commercialbanks have been becoming an important force of financial market that can not beignored. City commercial banks belonged to local joint-stock commercial banks,from its inception to take up "service for SMEs, serve the local economy." Thecurrent financial crisis brings SMEs more problems, so it is important for citycommercial banks to finance to SMEs in order to help development.Combined with China’s current macroeconomic reality, this paper analyzes theissue that city commercial banks financing for SMEs by the methods such as casestudy、 comparative study. Since different types of SMEs have different financingbehaviors and characteristics, so this paper breaks SMEs down into family-ownedSMEs、partnership SMEs and corporate SMEs. This can make the analysis morein-depth and targeted. Conclusion: It is difficult to solve the problem of SMEsfinancing completely in short term, but city commercial banks should adhere toservicing SMEs and play a key role in solving the problem of SMEs financing. Asthere are many shortcomings in service SMEs financing, the city commercial bankshave an urgent need to enhance the ability of servicing SMEs. At the same time, thecity commercial banks should also be active to learn foreign successful experiences.With the geographical advantage、flexible management policies and the localgovernment’s support, city commercial banks should grow with SMEs.