Analysis Of Credit Financing Mode Of Small And Medium Enterprises

At present, our country’s financial institutions, the competition is very fierce, thecommercial banks business competition. For a large number of various types ofenterprises, good external financing environment, is not only the enterprisedevelopment "barometer", it is one of important factors deciding the futurecompetitiveness. After China’s reform and opening up, the small and medium-sizedenterprise vigorous development, plays a more and more important role in thenational economy, the small and medium-sized enterprise has grown into the mostvigorous growth in the national economy. Our country small and medium-sizedenterprise access to credit funds mainly from the commercial banks, the financingchannel and the model is relatively large and medium-sized enterprises is relativelysingle, total loans and bank loans to small and medium enterprises does not exceed20%, and its contribution to the national economy very asymmetric, SME financing isthe key problem of its development and growth. Therefore, financing patterninnovation of small and medium-sized enterprises to solve the financing of small andmedium-sized enterprises is the fundamental way to the poor.The financing of small and medium-sized enterprises is divided into internalfinancing and external financing two, external financing is the main way for the smalland medium-sized enterprises to obtain funds to support, including commercial banks,non bank financial institutions financing between enterprises and market short-termborrowing and other forms of. The commercial bank financing is a major financingmode, the financing of small and medium-sized enterprises. Form of financing forsmall and medium-sized enterprises commercial bank diversity, strong pertinence,and achieved a remarkable success in solving the financing obstacles of small andmedium enterprises. In recent years, with the rapid development of information andnetwork, the development mode of market economy has changed greatly, as a marketof two active subject, varied significantly between commercial banks and SMEs creditcontact, commercial banks to SMEs credit financing pattern innovation anddevelopment.In this paper, the use of case analysis, in-depth analysis of commercial bankcredit to SMEs financing mode, to integrate theory with practice to explain thevarious modes of financing of SMEs, and compares the financing mode, and putsforward the innovation in SMEs credit financing mode in the new marketenvironment of Shimonoseki, hoping to credit business our future commercial banksmall and medium-sized enterprise development mode and direction of reference.