Research On Credit Advantage Of SMEs

The SMEs are playing a more important role and deeper impact on moderneconomy. Compared with the giant banks which have much more money andresource， it is a question that how the SMBs become competitive to hold on in theSME financial market by developing their own strength? In the process， it is urgentto solve the SMEs financing difficulties to optimize Chinese financial system，moreflexibly， more divisively.Using the theory of economics and on the background of SMEs financialdifficulty， the essay talk discuss the SMBs’comparative advantage of informationcosts and demonstrates that the optimal credit amount exist on the condition of profitmaximization. Then， we learn some experience form the success of communitybanks in USA and make some suggestion about the SMEs development.The essay confirms the truth that，with the support of local authority，the SMEsshould take advantages of information， special financial service to serve to localpeople， local SMEs and local economy.