Study On SMEs’ Credit Policy In G Bank

SMEs access to financial resources are scarce, financing, in particular by commercial banks for financing problem has become a serious bottleneck in restricting the quick development of Chinese small and medium enterprises. From one aspect of external causes relating to the financing difficulty of small and medium enterprises, this article unfolds the analysis with defects of financial institution system. From the perspective of implementation of new Basel Capital Accord on banking regulation and supervision of banks’capital adequacy ratios it finds the way to solve the financing difficulties of small and medium enterprise. From the micro perspective on how to make full use of the regulatory capital adequacy ratio of bank supervision requirements, analyzing different scale enterprise in the loan business regulatory requirements for capital requirements for Banks under the influence. From the Banks themselves interests, more make full use of existing capital generate more income consideration, through the construction bank internal ratings reflect, strengthen the efficiency in the use of funds to, on the one hand, realize G bank’s credit structure adjustment, through the external supervision and internal incentive mechanism, change in small and medium enterprise G bank, especially small enterprise credit aspects of the strategy, realizing the optimized bank risk asset types, reduce the requirement of core capital, raise the risk adjusted return on capital; On the other hand, to find one way that banks can actively find one new positive approach corresponding to SMEs’financing difficulties with a new policy.