Research On Countermeasures Of Support The Financing Of Small And Medium-sized Enterprises By Banks

At present,small and medium-sized enterprises as the important force to promote the development of our economy and society,the increase in fiscal taxation,provide employment opportunity,abundant supply system,promote the transformation of economic development plays an irreplaceable role.According to the survey,by the end of2016,about 7000 small and medium-sized enterprises in our country,accounted for 99% of the total number of national enterprises,created more than 60% of gross domestic product(GDP),the contribution of the country's total tax take 50% of the tax payable,provides more than 80% of the town employment opportunity.With the rapid development of small and medium-sized enterprises,the strategic position of small and medium-sized enterprises in commercial Banks is becoming more and more important.The current our country commercial bank,the competition between the quality of large corporate customers increasingly scarce,especially after the extensive experience in the development stage,more and more commercial Banks to realize blindly pursuing big corporate,the pursuit of big business,big customer is not the way of development for a long time.Therefore,it is a new direction for commercial Banks to open up the market of small and medium-sized enterprises,expand the business of small and medium-sized enterprises and optimize the service of small and medium-sized enterprises.In addition,the state has introduced a series of encouragement policies to guide our commercial Banks to better support the financing of small and medium-sized enterprises.However,even in the context of the expansion of some Banks and the introduction of national policies,commercial Banks in China still do not give small and medium-sized enterprises sufficient support on the supply side.Have data showed that more than half of the small and medium-sized enterprises in our country has the credit financing needs,and about 80% of the total Chinese commercial bank credit for large enterprises and only 20% of small and medium-sized enterprises got the credit resources of commercial Banks,small and medium-sized enterprise financing problems still exist.Small and medium-sized enterprise financing difficulties are caused by many factors,which not only has insufficient supply side of commercial bank,there are also small and medium-sized enterprise own short board and macro policy and market environment.This paper,based on the perspective of commercial Banks,and discusses its in support of small and medium-sized enterprise financing in the process of the problems of credit rationing,from transaction cost,credit decisions,credit evaluation for small and medium-sized enterprise financing difficult cause of bank analysis our country's credit evaluation and the lack of credit guarantee system,and then explore the small and medium-sized enterprises and commercial Banks between capital supply and demand contradiction of banking solutions.This paper consists of six chapters,and chapter 1 mainly introduces the background and significance of the current commercial Banks' support for sme financing.Chapter 2 introduces the concepts of small and medium-sized enterprises and the basic theory.TZ in chapter 3,a commercial bank,the bank as the breakthrough point,analyzes the TZ Banks of small and medium-sized enterprise credit business development present situation,summarizes the deficiency of its in support of small and medium-sized enterprise financing,analyzes the deep reason of the problem.Chapter 4 introduces the advanced experience of domestic and foreign Banks in credit decision-making,product innovation and credit assessment.Chapter 5 puts forward the concrete countermeasure of commercial Banks' support for sme financing on the basis of the problem of TZ bank,and puts forward some Suggestions for macro policy.The sixth chapter summarizes the content of the text and puts forward the research prospect.