SMEs Credit Research In China’s Commercial Banks

In recent years, the rapid growth of SMEs in China plays an increasingly importantrole in the national economy. However, SME financing problem has not been solved, andit becomes a bottleneck restricting the development of SMEs. Commercial banks are themost important financing channels for SMEs. If we can solve the financing problem ofSMEs in the commercial banks, the SME financing difficulties will be greatly improved.As a result, SMEs will get great development and make a positive effect to Chinesenational economy. This paper generalizes the current situation of SME financing andstudies the causes of the financing difficulties of SMEs from the SMEs’ internal point ofview and the perspective of commercial banks through literature research and normativeanalysis. In connection with these causes, this paper gets several measures to improveSME credit policy of commercial banks combined Minsheng Bank’s successful SMEcredit experiences, such as reducing business risk for SMEs, improving SMEs businessprofits, enhancing the efficiency of business approval, optimizing the constraints andincentives, establishing the credit rating system for SMEs, obeying strict and diversesecurity policy and alleviating the information asymmetry. These advanced experiences ofdeveloping SME credit also have a good reference for the other commercial banks.