The Mechanisms Of Commercial Bank Financing Mode For Small And Medium-sized Enterprises Of Technology

Small and medium-sized enterprise of technology is an important part of small and medium-sized enterprises,is the important power of the diffusion and transformation of high-tech achievements,is an important way to improve the whole enterprise quality level,adjust and optimize the industrial structure,and is an important guarantee of cultivating new economic growth point.However,as with other small and medium-sized enterprises,financing problem has always been the fetters of tech SMEs’ development.Through the investigation,at present our country science and technology small and medium-sized enterprise direct financing status can be found: the enterprise bond market development degree is low,even large enterprises have sound management,good benefit,credit good also with difficulty through the issuance of bonds financing way,not to mention the small and medium-sized enterprise;and because both publicly listed the securities market or the private capital market,can not meet the need of venture capital exit in the scale,mobility,reliability and operating cost and efficiency,make the risk investment operation difficult;even if the policy is "the country is to develop the innovation fund" for many scientific and technological small and medium-sized enterprises in terms of money desire is a drop in the ocean.Visible,the direct financing channels for high-tech SMEs in our country is extremely poor,indirect financing in the foreseeable period will continue to banks and other financial institutions to provide for the main financing channels.As the most important part of indirect financing,commercial banks play the most important role in the development of credit financing to small and medium-sized enterprises.In recent years,along with the increasing of small and medium sci-tech enterprises,the demand of credit financing is increasing and commercial banks have also been exploring the development path of credit financing to small and medium sci-tech enterprises,in which the most mature mode is the establishment of science and technology branch.Letting commercial banks provide small and medium sci-tech enterprises with better services and solving the financing difficulties of small and medium sci-tech enterprises,from two levels of macro and micro,this paper analyzes the problems and causes of the process in development of the science and technology branch of K bank,putting forward the solving measures.On the one hand,this study enriches the theoretical system in the field that commercial banks deal with the financing needs of small and medium sci-tech enterprises;on the other hand,this study provides practical experience for commercial bank to provide small and medium sci-tech enterprises with credit financing business,helping small and medium sci-tech enterprises and commercial banks achieve a common development.