Different Financial Institutions And Smes Credit Availability In Rural Areas

Small and medium-sized enterprises are very important in national economy and social development, financing difficulty which puzzles the Development of SMEs Long-term, how to release the financing difficulties and to promote SMEs with healthy and stable development are the concern of the society common topic. In recent years, the government has enacted a series of specific measures for the reform of the rural financial system,In2012"Central Document No.1" Further mentioned guide county banking financial institutions to strengthen the rural credit services, credit efforts to increase the county small and micro enterprises. To some extent for the development of SMEs in rural areas to provide more financing channels. In the rural financial market, Different types of rural financial institutions, organizational structure, scale, operation and management system, market positioning, Provide loan services for rural SMEs on whether there are differences? What reasons? Therefore, based on the survey data of265small and medium enterprises in Jiangsu Province, Suzhou, Nantong and Xuzhou City, using the ordered Probit model, the paper empirically analyzes different types of rural financial institutions on credit obstacles of rural SMEs.The paper is divided into five chapters, and the main points are as follow:Part Ⅰ:put forward the Questions, we should identify research direction and meaning、 define the relevant concepts, at the same time, we should also select the appropriate approaches and methods of the research. Get the general ideas of the paper.Part Ⅱ:Theory brief literature review. Combing the relevant literature on the theory of credit rationing, financial repression theory, the theory of relational financing, small bank advantage theory and research status at home and abroad to do a simple review.theory basis and literature review. We have reviewed some domestic and foreign literature.Part Ⅲ:financial institutions and rural SME financing profile. Brief survey of this article content and survey by questionnaire data collation, analysis of the basic situation of rural small and medium business and financing status, and thus describe the development status of rural financial institutions in Jiangsu Province, focuses on the development status of the financial institutions in rural areas, lay the foundation for the analysis of different types of financial institutions, the impact of financing for rural SMEs.Part Ⅳ:the various financial institutions and the rural SMEs credit availability empirical analysis. Select the survey data Jiangsu Province, Sunan, Suzhong three ordered Probit model empirical analysis of different financial institutions on SME credit availability. Respectively to elaborate empirical results from financial institutions, characteristics, firm characteristics, regional characteristics, in-depth analysis Obstacles rural SME financing difficulties.Part Ⅴ:Conclusions and policy recommendations. For rural SMEs widespread problem of financing, deepen rural financial reform, promote rural cooperative financial institutions to diversify commercial banks to re-determine the business strategy and market positioning, specification and development of private financial activities, increase investment in rural SMEs support efforts to improve rural SMEs construction system proposed policy recommendations to improve the rural financial system, ease the financing of SMEs in rural areas, improve the SME credit availability make relevant policy recommendations.