A Study On Financing Problems Of Small And Medium-sized Enterprises In Zhengzhou Area

As known to all, the problem of limited financing channels for medium-and-small-sized enterprises is a common worldwide one, which is especially prominent in the banking industry of our country. Due to some subjective and objective disadvantageous factors, present in the medium-and-small-sized enterprises themselves as well as the unscientific and faulty evaluation means of the credit of such enterprises by financial institutions, the cooperation between the two parties is declining gradually.In recent years, with the rapid development of medium-and-small-sized enterprises, they are becoming more and more indispensable in national economy. Our country attaches more and more importance to such enterprises, and strengthens support for them continuously. People's bank successively set forth"Opinions on Further Improving Financial Service for Medium-and-small-seized Enterprises"and"Instructive Opinions on Stepping up and Bettering Financial Service for Medium-and-small-seized Enterprises". In the later half of last year, China banking regulatory commission set forth Guidelines on Banks'Lending to Small Enterprises, putting forward s series of compulsory regulations on how to sustain the development of medium-and-small-sized enterprises for the correlative ministries, which is effective to certain degree. However, for various reasons, now the commercial bank credit mostly provides the loan to the key area, industry and client owing to the profits problem but gives little attention to the medium-and-small-sized enterprises. So the financing difficulty of such enterprises has not ever been solved thoroughly.Based on the developing background, characteristics, advantages, disadvantages as well as the economic status of the medium-and-small-sized enterprises in our country, this thesis has an analysis of the existing evaluation system of commercial banks. It indicates that the present evaluation system is tolerable in the evaluation of the national big-and-medium-sized enterprises, but accurate evaluation conclusions of the medium-and-small-sized enterprises cannot be drawn from this system due to the unsymmetrical information. Therefore, the banking credit personnel are required to intensify the analysis and review of the non-financial factors when they evaluate the financing level of the medium-and-small-sized enterprises so as to educe the feasible results, and accordingly make advantage of the three financing guidelines and non-financial factors to solve the financing difficulty to further promote the rapid...