Research On The Financial Support Of China’s Commercial Banks To Small And Medium Sized Enterprises

Small and medium-sized enterprises is the main body of the market economy, play a role in promoting economic development and promoting employment, increasing income, stabilizing society,its function useful that the big enterprises difficult to replace.Through the Ministry of industry and information technology data we can visually see the outstanding contribution made by small and medium enterprises in the economic contribution, absorb employment, technological innovation and other aspects, in a sense, small and medium-sized enterprise development is directly related to the progress of our country economy and social stability, support the development of small and medium-sized enterprises, offer loans will be the focus of future work. In recent years, the development of small and medium-sized enterprises quickly, demand for funds is growing, but whether it is domestic or foreign, small and medium-sized enterprises is difficult to obtain bank in favor of and external financing rate is low, financing passivity,because it has a small scale, high risk, lack of collateral constraints.Funding is the guarantee and the power to improve the small and medium-sized enterprises’ production and development, lack of power, a serious impediment to the small and medium-sized enterprises to further expand the development, in the fierce market environment ready to face bankruptcy risk, how to effectively resolve the financing difficulties of small and medium-sized enterprises is today’s scholars to study the key.Small enterprises financing channels include internal financing and external financing, bank loan belongs to indirect financing in external financing,its advantages are financing costs low and stable source of funding,so bank loan become the main financing method for small and medium-sized enterprises. But group of small and medium-sized enterprises due to started late, lack of market strength, lacking of effective collateral, weak ability to resist risks, internal governance structure exist problems and management transparency is low,the probability and the amount of bank loans is not enough to ensure long-term development needs. According to the banking industry statistics, China’s commercial banks in the number of small and medium enterprises in the increase in the total amount of loans increased, but the proportion of small and medium enterprises business is still very small, small and medium enterprises support is still inadequate. In view of this, this paper from the perspective of the Commercial Bank of encourage commercial banks to support the financing of small and medium-sized enterprises, analysis to explore the causes of the financing difficulties of small and medium-sized enterprises internal problems and external restriction, and analysis of Societe Generale Bank support the financing of small and medium enterprises successful cases, by drawing lessons from the successful experience, from two aspects of the central bank and commercial banks put forward countermeasures and suggestions, the direction of reform, noting that the adjust business strategy to help small and medium-sized enterprises to walk out of the financing dilemma.This article is divided into six parts: the first chapter is the introduction. First elaborated the research background and research significance of this article, a brief introduction of the research methods and ideas, clarify the relationship between the logic of each chapter, analyzes and summarizes the previously about this topic research results and leads to the discussion of problems. The second chapter mainly reviews the theories related to the financing of small and medium-sized enterprises, including three aspects. First, the definition and division of the small and medium-sized enterprise; second, the financing channels for small and medium-sized enterprises; third, commercial banks support SME financing related theory introduced. The third chapter begins with an analysis of the current our country small and medium-sized enterprise financing present situation, mainly for the shortage of funds, the operating risks and raise characters of channel is narrow, financing difficulties and the regional differences in three aspects, and then from the enterprise internal problems and external restrictions two direction analysis caused by the reasons for the financing difficulties of small and medium enterprises. The fourth chapter of the previous research literature and related statistical data collation, induction and analysis, the use of SWOT model for China’s commercial banks to carry out in-depth analysis of small and medium enterprises funds business, draw relevant conclusions. The fifth chapter of the Industrial Bank launched energy efficiency loans to support small and medium enterprises project loan case analysis, learn from the successful experience of this paper, put forward the relevant countermeasures and measures to lay the foundation. Sixth chapter from the central bank and the commercial bank two aspects, to our country banking industry support small and medium-sized enterprise financing put forward a series of path choice.This paper argues that commercial banks provide credit support to small and medium enterprises, which is the "mutual benefit" of the two sides. First, for small and medium-sized enterprises the most intuitive function is enterprise security production operations, expand the income, improve the strength of enterprises, in addition to the many potential benefits, absorption advanced talents, promote the innovation ability and so on; for commercial banks and SME loan prices to higher than large enterprises, commercial banks bring generous interest payments and keep high-quality small and medium enterprises with long-term good cooperation is to ensure a long-term source of profit, commercial banks in the development process of small and medium-sized enterprises to establish the image could for the bank to potential customers, expanding profit growth. Therefore, commercial banks to support the development of SMEs is not "more harm than good", on the basis of effective control of the risk of loans, to make some strategic adjustments to support SME loans is very necessary. First, the level of the central bank should vigorously promote the perfection of the financial system, and strive to create a market environment for fair competition, strengthen the construction of credit environment, continuous improvement of SME credit system, reward and punishment mechanism, and actively guide the commercial bank loans to small and medium-sized enterprises involved in the project. The, the commercial banks should be for the financing needs of SMEs, optimize the loan approval process, improve the financing efficiency, appropriate to establish the small and medium-sized enterprise specializing in financial services institutions, innovative financial products, a clear market positioning, poor dissimilation to manage, continue to promote the risk management mechanism construction, effectively alleviate the financing difficulties of small and medium-sized enterprises.