Credit's Construction Facing To SMEs' Lending

SMES are important to national economy, but they are facing to a lot of problems, the difficulty of lending is one of them. We find the absence of credit is the main reason that leads to smes'difficulty of lending. Based on this information, we try to build a model between banks and smes. This model will impel banks and smes to promote each other. Its aim is to raise smes' credit.In the first part, the author summarizes the research about smes' credit in home and abroad. Based on this, we find out the starting point for this paper. In the second part, we explain the conception of credit. The most important section in this part is the relationship between banks and smes, and smes' credit construction. The following three parts are the most important parts in this paper.The first, we study the reasons for the absence of credit. The second we construct a model to describe the powers that push banks and smes helping each other. The last, we give out a moving pattern about banks and smes mutual improvement.