Studying On Models And Strategies Of Resolving SME Financing Difficulties By CDB Zhejiang Branch

China Development Bank in recent years, based on China’s nationalconditions, the government’s targets combined with the market mechanism,opened up development financing path with Chinese characteristics. ChinaDevelopment Bank, through national credit, access to the advantages of low-costfinancing, at the same time at the micro level of increase trust theory for solvingthe problem of financing small and medium enterprise(SME) provide a viableoption.SME’s development is related to a country’s development potential; however,facing the one of the major obstacles is financing difficulties. Large state-ownedbanks dominated the banking system, and its loans to invest mainly state-ownedlarge and medium enterprises, SME financing due to the large presence ofasymmetric information makes the encounter bank credit rationing, has seriouslyhampered the development and growth. This article is committed to explore theadvantages of development financing to mitigate the problem of SME financing.Firstly, this paper shows development financing and SME financing as thestarting point, in an overview of development financing in our country andanalyze the cause of the problem of financing, to study the development bank hasthe advantage of financing, government coordination and acquire information tosupport SME financing.Secondly, the paper on foreign development financingsupport for SME financing are briefly introduced, development financing supportfor SME financing mechanisms, modalities etc. provide a betterreference. Development financing to make up for the market defect, to supportSME development has played an important role. Then according to introductionthe China Development Bank of Zhejiang Branch to support SME financing model, highlighting the development financing participation in financingplatform construction, improve the institutional system, reducing the financingdifficulties of SME has a significant advantage, development financing for thedevelopment of SME in Zhejiang Province provide new funding sources.Finally,the paper summarizes the CDB Zhejiang branch to support the development ofsmall and medium-sized enterprises achievements, at the same time, this paperintroduced the Zhejiang branch of the actual case of the financing of SMEs.Through the analysis of actual cases, we can see the development of financialservices to small and medium enterprises is feasible, it can play a developmentfinancial advantage, at the same time, it has the diversification and diversity inthe financing tools, this paper provides solutions to SME financing new angle ofview.This study found that development financing for SME financing is indeedfeasible and effective support, financing platform to build the basis for the SMEloan business, market-oriented operation direction is to promote lending, riskcontrol mechanisms always need to improve, so proposed developmentfinancing alleviate the plight of SME financing is an effective methods.