Cause Analysis Of SME Loans

Thirty years of reform and opening up, China's economic development has made considerable progress, including the development of SMEs in the national economy plays an increasingly important role, has now become an important part of our national economy and promote technological innovation and social development of our country an important driving force. While SMEs in China has made considerable progress, but it is facing environment is not very optimistic, including the financing problem is particularly prominent. SME financing causes problems both their own problems of SMEs, such as:small-scale enterprises, insufficient amount of money, lack of credit system, guarantees difficult, blurring the future prospects; there are also problems of commercial banks, such as medium-sized commercial bank "encounter" of credit strategy, inefficiency and so on. In this case, how to resolve conflicts and medium-sized commercial bank with SMEs to solve the difficult problem of financing is crucial. Important issue of this paper is the face of this contradiction, what commercial banks should be able to take credit strategy is both effective solutions to SME financing problem, but at the same time reduce the risk of increasing the income of commercial banks.On the technical ideas, we use a combination of theory and case analysis and fuzzy comprehensive technical approach, from a theoretical and practical point of view to study the country and medium-sized commercial bank financing problem of SMEs, and on this basis, seek to resolve the answer to this question. Integrated fuzzy science major point is:the unity of opposites, the amount of quality interconversion, extremes meet, periodic changes in the basic rules of development changes; loan market uncertainty, in most cases, the bank is not entirely knowledge, asymmetric information under the decisions; research methods, the study as a whole, using a comprehensive, contact, development perspectives to analyze problems in incomplete knowledge, asymmetric information, decision making or objective function is:to determine subjects' relative position of the current cycle, "and" the possibility of future changes in the trend of the period. "Visible, knowledge base management and analysis of fuzzy logic synthesis, and more in line with the status of the loan.In the specific structural arrangements, this paper from the overall perspective of the current situation of China's commercial banks to the financing of SMEs clarification; summed up by the case of China's commercial banks financing the existing policy deficiencies, and further analysis of the reasons for this problem; then apply a comprehensive comparative analysis of fuzzy analysis large degree of difficulty of loans to SMEs, finally put (effective) proposal from the perspective of commercial banks, enterprises and society by the preceding analysis.