Research On China Development Bank Services For The Developent Of Small And Medium Enterprises In Jilin Province

The small and medium-sized enterprise financing difficult problem, has nowbecome the bottleneck of its faces generally, restricts the sustainable economic andsocial development. Research and study in and abroad for the financing problem ofsmall and medium-sized enterprises, focus on the framework of commercial bankmode, but based on the special situation of our country at the present stage, thecommercial banks are generally reluctant to involve the risk of small andmedium-sized enterprises in larger projects, thus to alleviate, eliminating supportdevelopment finance for the purpose of financing for SMEs development bottleneckis particularly important. As of the end of2012, the number of small and mediumenterprises in Jilin province accounted for more than97%; annual main businessincome of nearly2yuan, for second consecutive years accounted for more than50%of the province’s GDP, paid taxes40100000000yuan, accounting for more than40%of the province, to solve the employment of4521000people, accounting for theprovince’s total employment number of more than70%. Visible, small and mediumenterprises not only in China, but also in the economic development in Jilin provinceis playing an increasingly important role. In2010, the people’s Bank of China, ChinaBanking Regulatory Commission, China Securities Regulatory Commission and theChina Insurance Regulatory Commission jointly issued the opinions on furtherimproving financial services for SMEs "(Yinfa [2010] No.193), put forward thegeneral ideas to strengthen the reform and innovation of the credit managementsystem of SMEs in China the small and medium-sized enterprises, and to improve themulti-level financial system, improve financial services, expand the businesscharacteristics of the small and medium-sized enterprise funding needs, and meet thediversified financing channels, the development of small and medium enterprises credit system, many initiatives to support small and medium enterprises to" go out "todevelop the international market and puts forward the relevant suggestions. At thesame time, the state has also implemented a moderately loose monetary policy, tosolve the problem of financing smes. Despite the rapid growth of the moderatelyloose monetary policy helps to loan volume, but many small and medium-sizedenterprises, especially small and micro businesses still face constraints, financingdifficulties, data display, our province more than90%small and medium enterprisesstill cash flow tense, urgent need of financial support, and the loan capital demandreached5000000yuan small and medium-sized enterprises exceeded52%.This paper analyzes the principle of development finance, and summarizesthrough the practice of CDB Jilin branch to support the development of small andmedium enterprises within the domain, to explore the theory origin, analysis,summarize the successful solution model, and the utility of the new financing modelinnovation of economics quantitative analysis using the method of economics, this tothe reference and help to solve the difficult problem of financing of small andmedium enterprises in Jilin province play.