The Ningbo Branch Of Baoshang Bank Researched The Financial Support System For SMEs

As is known, credit from the commercial banks is the main source of SMES'financing. To study the supporting system for SMES' financing of Baoshang Bank Ningbo Branch not only helps to find new profit sources for commercial banks, to improve their capital adequacy ratio and competitiveness, but also launches great significance for SMES'financing under current economic environment. Based on relevant theories, this paper has made deep analysis on the supporting system for SMES'financing of Baoshang Bank Ningbo Branch and achieved solid conclusion.Methods such as document survey, case study, and induction have been used in this paper. It focuses on the important role of commercial banks in solving the issue of SMES'financing, analyses both the advantages and disadvantages of financing support system of Ningbo Branch and puts forward corresponding solutions.The paper includes five parts. The first part is introduction, mainly introducing the background knowledge and significance of the research. The author consulted a large number of documents about both domestic and foreign commercial banks'supporting system for SMES'financing, which made solid theoretical foundation for the research. The second part studies the concept, methods and main sources of SMES'financing, analyses the great difficulty of the issue and summarizes the significance of improving the financing support system of commercial banks. The third part makes detailed analysis on the financing support system of Ningbo Branch, its development of credit business and the shortcomings of regulations on SMES'financing. The fourth part puts forward concrete suggestions on perfecting the financing support system for SMES from three aspects:establishing independent accounting mechanism for SMES'; enlarging service scope; developing loan commitment business. Innovations are in great need to disperse the credit risks and reduce the loss. Besides, credit evaluation system needs to be improved to provide efficient information for SMES to guarantee the smooth progress of the work. At the end of the article, the author summarizes the innovations of the research and makes prospect for the later studies.