The Reference Of International Experience And Research Of Commercial Bank's Small And Medium-sized Enterprises Loan

Looking around the world, whether developed countries or developing countries, SME(small and medium-sized enterprises) have been or being the important support of the national economy. SME is also very important in economy of our country. In accordance with statistics, SME take over 99% in all Chinese enterprises. Most of SME belong to private person, have relative explicit proprietor's authority structures, and keep a rather good credit record. Therefore, helping SME to get financing smoothly, contributes to the steadily development of all banking industry, and conduce to adjustment in banks' asset-liability construction. It also has optimistic meaning to keep steadily, quickly, harmoniously and healthily development of Chinese economy, and construct harmonious society in socialism. But we must realize that because of the limits such as profit-oriented conception in financial institutions, lack of financing channels, dissymmetry in message exchange, shortage of credit guarantees and etc., SME have confronted with many difficulties in financing in spite of their large quantity and contribution.At many developed countries in Europe and America, the research of SME's loan has already matured, and has many successful cases. But the problem of SME's loan have not yet solved. According to the agreement of WTO, bank industry will open up to all country in the end of 2006, at that time international bank will come in china, the problem of SME's loan will not only relate to development of our country's SME, but also relate to future of our bank industry.From bank's eyes, The article firstly discusses the actuality and problem of SME's loan, secondly introduces the cases of financing in SME in some other countries and areas, lastly put forwards the measures of SME's loan in China.