Reserch On Financing Service Of Small And Medium-sized Enterprises From The Perspective Of Regional Commercial Banks

With the continuous improvement and development of our socialist market economy,non-public SMEs,as one of the main market players,play an important role in prospering the market,increasing employment,promoting technological innovation,and at the same time play a huge role in promoting the development of our national economy.Our government attaches great importance to the development of small and medium-sized enterprises,and has issued a series of policy documents to support their development.General Secretary Xi Jinping also pointed out in the report of the Nineteenth National Congress of the Communist Party: "We should support the development of private enterprises,stimulate the vitality of various market players,and strive to achieve higher quality,more efficient,fairer and more sustainable development."However,from the current situation,the narrow financing channels,difficult financing,high financing costs of SMEs are still a huge obstacle to their rapid development.As an important financing channel for SMEs,banks’ financing service policy has a key impact on SMEs’ development.In reality,many banks have some defects in the concept,system,process and related technology of SMEs financing,so they can not meet their credit needs.Therefore,strengthening the financial support and financial service capability of banks for SMEs can not only alleviate the development difficulties of SMEs,but also help banks expand business market and improve their own earnings.Therefore,from the perspective of regional commercial banks,this paper studies the financing services of SMEs in recent years.On the basis of literature review and theoretical analysis,this paper first discusses the general situation of regional commercial banks’ financing services for SMEs.Then,combining with the financial services case of Bank Z,the basic paradigm of case description-case analysis-case enlightenment is analyzed and demonstrated,and its advantages and disadvantages coexist.Thereafter,this paper further analyses the four major problems existing in the financing services of SMEs by Z Bank,namely,information asymmetry,risk control,credit management and financial product innovation.It also analyses the reasons from four aspects: improper banking operation,be weak in risk management,inadequate management of SMEs themselves,lack of policy supervision and support.Finally,according to the existing problems,the paper puts forward some countermeasures and suggestions for smooth cooperation platform between banks and enterprises,improving risk control level,enhancing credit management ability,innovating financial product forms,and effective supervision between government and regulatory authorities.This study provides some reference for effectively alleviating the financing difficulties of small and medium-sized enterprises in China.At the same time,it also helps banks to increase their financial business,improve their comprehensive income and fulfill their due social responsibilities and obligations.