Research On The Effect Of Bank Type To SMEs’ Loan

In recent years, the financing problems of SMEs have attracted more and more attention. Along with reduction of policy restrictions, the national economy pattern leaded by state-owned enterprises is gradually broken down. SMEs have rapidly risen to become the most active part of the economy. Meanwhile, the development of small and medium-sized banks appears to be lagging behind. The rapid development of small and medium enterprises needs the corresponding financial services, while the lad of the financial system reform will lead to the shortage of financial supply for SMEs. Promoting the development of small and medium banks has a vital significance in resolving the financing problems of SMEs. Therefore, the study of bank type’s impacts on SME Loan could provide the theoretical basis for the development of small and medium-sized financial institutions, especially the private owned banks and financial institutions. It is not only very necessary, but also has very practical significance to the development of our national economy.Based on the research of scholars at home and abroad, this paper selects the credit facility out of SME financing as an object of study. It is mainly targeted at the scale and types of banks. From the perspective of theory, system, borrowing techniques, this paper analyzes their position, role and developing prospects in SMEs’ credit facilities. Based on the data,the paper analyse the bank business and SME financing in china. Studies have shown:firms that borrow loan from big banks usually have well financial position and have a large scale business, firms that borrow loan from smal and medium banks ueually have closer bank-firm relationship. In order to develop SME financing business, we should support small and medium-sized banks, especially local banks to develop SME financing business. But at this stage, we cannot simply establish a large number of small and medium-sized financial institutions, and should develop a full set of supporting program targeted at the problem...