A Study On The Choice Of SME Credit Financing Of Shanghai Branch Of CCB

In recent years,SMEs are developing rapidly in china.After decades of market economy and the development of their own,small and medium-sized enterprises have become the driving force of regional economic development,promote employment,stable construction,in the national economy is playing an increasingly important role.At present,our country registered small and medium enterprises accounted for more than 99% of the total number of enterprises in our country,with more than 60% GDP and 50% of the tax,created about 80% of urban jobs,designed 66% patent invention and 74% technological innovation,small and medium-sized enterprises needed funds accounted for only 22% of financial resources to support channels that is far lower than the contribution to GDP ratio of more than 60%.China’s small and medium-sized enterprises play an important role in the national economy,but one of the biggest obstacles in the development proc ess is a difficult problem of financing,so the research has practical significance for SMEs to seek appropriate financing.In this paper,the use of theoretical research,investigation and analysis combined with case studies.Combing the relevant literature,theory and policy selection;Shanghai branch of China Construction Bank customers of small and medium-sized enterprises as the research object,focuses on an account in Shanghai branch of the small and medium-sized enterprise customer group characteristics,financing status and financing;financing difficulties of small and medium sized enterprises reason its weak ability to resist risks,relatively low credit level,financial system is not perfect,the operation was not standardized,and the information asymmetry of commercial banks.Which commercial banks consider the risk of lending to SMEs "credit crunch".This paper summarizes the various types of credit products and customer oriented design of small and medium sized enterprises of Shanghai branc h of China Construction Bank selection criteria,standing in the small and medium enterprises from the perspective of customer availability,reduce the comprehensive cost,standardized management and other aspects of choosing optimal expected effect of cre dit financing.And to the Shanghai branch of China Construction Bank customers of small and medium-sized enterprises H company as an example,according to the development stage of H company’s business characteristics,select the matching of credit financing products,finally summarizes the actual effect of credit financing of H company.The research in this paper is to provide a solution for the small and medium-sized enterprises to choose the credit financing mode which is suitable for their own situation,to increase the possibility of obtaining the support of commercial bank loans,and to alleviate the financing difficulties of SMEs.