Research On Small And Medium Enterprises Financing Of SPF Bank Kunming Branc

Small and medium-sized enterprises(SMEs)that can increase employment opportunities and multiply merchandise supply are very important parts in the national economy,which contribute much to economic stability and growth,but financing difficulties prevent the development of SMEs.In recent years,our government published many regulations to help SMEs develop.Under the circumstances,banks all in YUNNAN province positively constructed professional management system to push ahead with SME bank financing,but the problem of SME bank financing is still very serious.So under the condition of assuring loan safety,how to surely solve the problem of SMEs financing difficulties becomes very important in the financing industry.By using information asymmetry theory,the theory of credit rationing and transaction cost theory and etc,utilizing the study and experience about this object at home and aboard,the paper analyzes the present situation and problem of SME financing in SPF Bank,Kunming branch and the paper focuses on the characteristic and the scope of application and the case analysis about main financing model of SPF Bank.On this basis,this paper offer the proposals to expand SME financing of SPF Bank,that is to focus energy on customers’ need,to make innovations in financing products and financing guarantees,to accelerate the professional team construction for SME bank financing,to strengthen risk management for SMEs,to optimize the bank financing environment.By the research of this article,to do some effort to give some suggestions for resolving the problem of SME financing difficulties from banks.