Commercial Bank Credit Status And Development Of Small And Medium-sized Enterprises

As an important part of the national economy, small and medium-sized enterprises notonly promote the development of the market and maintain the stability of the society, promotethe management mode and the innovation of the basic skills, but for now, the development ofsmall and medium-sized enterprises can’t depart from the support of capital, and now theimbalance factors of economic and social development has led to small and medium-sizedenterprise financing difficult problem gradually increased, while the government formulated aseries of targeted measures, but still can’t ensure that small and medium-sized enterprisefinancing difficult problem is resolved. Mostly in the traditional commercial Banks to providefinancing services for large enterprises, while for small and medium-sized enterprise creditproducts in a state of neglect. Shaanxi province in the development of commercial Banks inrecent years obtained the rapid ascension, especially for some local Banks, it’s within thebank’s competitiveness in the constantly improve, the main commercial Banks become theShaanxi province.This article first introduced the selected topic background and significance of this article,the research content and methods. The second chapter on small business financing theory, thecommercial bank credit risk theory and the theory of small and medium-sized enterprisecredit business are summarized. The third chapter, based on the policy of perspective and theperspective of market competition environment of commercial Banks in Shanxi Province andits environment, and the commercial Banks to small and medium-sized enterprise creditdevelopment in Shaanxi province of SWOT analysis, analysis of the importance of value in it.The fourth chapter of the current situation of market competition and the development ofcredit business, and the analysis of existing problems of them. The fifth chapter, the paperintroduces the commercial Banks and small and medium-sized enterprises and the externalenvironment three aspects of the research strategy. This paper USES the case analysis, comparative analysis, literature analysis andqualitative analysis method, to analysis the unity of logic and facts. Through the systemsummary of small and medium-sized enterprise financing, credit risk of commercial bank,small and medium-sized enterprise credit business, such as literature, laid a theoretical basisfor research work in full; Based on a thorough analysis of its government perspective and theperspective of market, enhance the practical significance of this study; Through a detailedcase study of commercial bank credit business of small and medium-sized enterprises inShanxi Province development, analyzes the current credit under the background of theoutstanding problems that exist in the small and medium-sized enterprise credit business andforming reason, because of itself from the commercial Banks and small and medium-sizedenterprise financing and the external environment and so on, puts forward the policySuggestions on the development of commercial bank credit for small businesses.Research of this paper is based on the commercial Banks to small and medium-sizedenterprises in Shaanxi province to study the present situation and the development of credit,the hope can through the development of Shaanxi province commercial Banks and small andmedium-sized enterprise financing problems put forward the corresponding solutions, andhope can to the development of the cooperation between small and medium-sized enterprisesand commercial Banks play a role.