Research On The Finncing Of Small And Medium Sized Enterprises In China

Since the reform and opening up,the rapid development of China's market economy,the development of small and medium-sized enterprises is speeding up,the emergence of a large number of small and medium-sized enterprises,not only to promote the development of China's economy,employment,science and technology still has played an indelible role,but at present our country small and medium-sized enterprise still exist many problems,lack of own funds.The credit level is not high,the guarantee ability is insufficient,in the development faces many uncertain factors.At the same time,China's banking industry also existing a lot of problems,in this context,how banks can meet the needs of the development of small and medium-sized enterprises in the capital,but also can control the credit risk of the banks,guarantee the rate of return,this is the point of this paper.This paper adopts the research methods of case analysis,from the theoretical study and practical research combined with Minsheng Bank as the research object,points out that the credit situation of Taicang branch of Minsheng Bank and the existing problems,to ensure the unity of logical analysis and factual analysis.First of all,in the current era,combined with the related theory,the status quo of China's SME financing are analyzed,mainly from the enterprise demand for funds,the financing,and encountered in the process of financing difficulties and other aspects,focuses on the existence of financial institutions and the government in the process of financing enterprises,the secondly,the status of the problem;Taicang branch of Minsheng Bank,encountered in the process of financing problems and the reasons of these problems and further research.Thirdly,this paper analyzes the domestic and foreign banks to solve the financing problems of small and medium-sized enterprises,and points out the places that can be used for reference.Finally,in view of the financing difficulties of small and medium-sized enterprises in China,and put forward the corresponding countermeasures,described from the enterprises,financial institutions,government and other point of view,to solve the financing difficulties of small and medium-sized enterprises contribute.