SME Financing Platform For Analysis And Case Studies

SMEs are an important pillar of the national economy; economic growth has become an important force. However, SME financing is a worldwide problem. Through the analysis of small and medium enterprises "short, small, frequent, urgent" demand characteristics of the financing, we need to consider how the financial community as the core of the mechanism, risk prevention and control-oriented thinking, with wholesale and standardized methods to improve financial efficiency, in order to break through traditional lending models. SME platform model is different from the traditional mode of direct credit. It refers to financing platform as a corporation borrowed from the bank, SMEs as the user of funds, through the commission form of loans for capital management system. It is because of government encouragement, guidance, and support. This model through the introduction of mechanisms at all levels of management, risk control in banks under the premise of reducing the access threshold for SMEs. It provides an efficient and convenient way of financial intermediation. The study aim is to unify the standard model to solve common problems of millions of households, retail and wholesale solution to the problem, propose to organize, social, professional, standardized way, to provide financing support for SME lending.