Research On Banking Solutions Of The Problem Of Financing SMEs

Research methods of this paper first expounded the research background and significance, this paper points out that the, the main contents of this paper, and the structure of simple introduction. Then in this paper, present research situation of the theory of financing of small and medium-sized enterprises at home and abroad, and these theories were collected and reviewed, providing theoretical support for further analysis. Bank financing of small and medium-sized enterprises factors present situation from the papers and SME financing difficulties, such as the lack of accurate pricing of interest rate risk means, lack of accounting mechanism, independent examination and approval mechanism inefficient, lack of effective incentive and restraint mechanisms, the lack of professional personnel training mechanism and persistence, the small and medium-sized enterprise loan products lack of diversity etc.. The successful case of the Bank of Chongqing and to solve the financing problem of an enterprise as an example, to propose solutions to provide some reference for other commercial banks to solve the small and medium-sized enterprise. Then the Bank of financing for SMEs in the difficulties and put forward a series of solutions, including scientific valuation of risk, strengthen risk monitoring the implementation of approval process reengineering, enhance staff motivation, reasonable risk classification of the assets of small and medium-sized enterprises and rich bank credit products etc.. Finally, put forward some countermeasures to solve other financing of small and medium-sized enterprises.The article thinks, financing difficulties at present is the most significant bottleneck factors restricting the development of small and medium-sized enterprises in china. From the point of view of the bank’s internal corporate governance and internal control system of the in-depth analysis of the causes of the difficult financing of SMEs, the lack of mechanism of interest rate risk pricing unified, effective; lack of accounting mechanism, independent examination and approval mechanism inefficient; lack of incentive and restraint mechanisms effectively; the lack of professional, persistent and independent personnel training mechanism. The main scientific assessment of risk, strengthen risk monitoring, implementation and approval process reengineering to resolve the banking difficulties in financing small and medium enterprises, enhance staff motivation, strengthening human resources training and credit products rich bank.