Research And New Model Of Enterprise Bank

In the30years of reform and opening-up, the small and medium-sizedenterprises (SMEs) in our country has got a rapid development, the number of whichhas rose from about100to50million from then, to the total enterprises of more than99%, and play irreplaceable roles during the economy development in china,especially in creating jobs, stabilizing the economic and the provision of socialservices. But they are still in a weak position in access to formal financial support. Aproval rating of bank loan and the contribution of culture towards economicdevelopment are out of proportion and that seriously hampered restriction to thedevelopment of SMEs. Particularly, in current austere economic climate, the SMEsare still facing with even hard competition. Lots of scholars in society have engagedin the topic of how to ameliorate SMEs’ financing problem through using bankfinancing vehicles.This paper first introduces the research background and significance of SMEfinancing, the main content and methods, and related theoretical results, and thenexpounded the financing situation of SMEs in China, and from the point of view ofboth the bank and SME financing through banking channels difficult causes. SMEfinancing there are some regional differences, mainly in the provinces of FujianProvince based SMEs, while in December2012, the largest number of SMEs inQuanzhou officially approved as a third national comprehensive reform pilot financialDistrict, Jinjiang City, Quanzhou as an important county-level city under thejurisdiction of, in recent years its special Jinjiang mode slowly rise, the developmentof supporting industries in the five main industries of SME clusters, how toeffectively achieve these companies financing research has important practicalsignificance and representativeness, financing or will have some reference to otherparts of the SMEs. In this paper, the specific case of Jinjiang local banks and SMEs,learn from the advanced mode of bank financing, bank financing channels summedinnovative SMEs or SMEs from banks and financing of both starting to really solvethe problem. On the one hand, SMEs should strengthen internal control system toimprove the credibility of the information; on the other hand, commercial banksshould be reform, increase innovation and service products.