The Study On Financing Service Of Small And Medium-sized Enterprises Of City Commercial Bank

The thesis focuses on the issue of city commercial banks financing at small and medium-sized enterprises .First,this thesis talks about the background of city commercial bank financing at small and medium-sized enterprises and the basic training of thought of this research and the basic method of this research. Then it analyses the financing situation of small and medium-sized enterprises,and the advance experiences which are used to solve the problems of city commercial banks financing in and out of our country. This thesis has four analyzing methods. They are norm methods, giving examples, definiting the property and quantity. It also not only refers to the disadvantages of performance and reasons of the city commercial bank financing, but also refers to the advantages of city commercial bank financing. Research conclusion and policy suggestion are as follows :1,Research Conclusions:(1) Reasons cause the difficulties in small and medium-sized enterprises of bank financing are as follows. Asymmetric information is one of the main reasons that results in enterprises financing difficulties. In addition, loan to enterprises has its own speciality——"small, urgent, frequent", self-management features, and China's financial system and market environment, all the factors together cause the financing difficulties.(2) City commercial bank show their advantages of small and medium-sized enterprises financing services in the following areas: advantages in cost, inclusive of information costs, and agency cost; advantages in relations, geography, flexibility and convenience, in centralized management, institutional and operational efficiency, in small financial symbiotic resistance.(3) There are various reasons resulting in lack of financing service support to small and medium-sized enterprises of city commercial bank. First, the local government has too many stocks and intervenes more often, the marketization can't be developed; Second, the ability of management is poor, thus competition mainly depends on humans, relations, and outlays; Third, the overall makings of staff should be improved, the financially innovative talents are absent, moreover, the experts who can apply financial products to practice are devoid.(4) Once the city commercial bank increase enterprises financing services, the result would be both a double-win and a Pareto optimum. If so, the plight of the enterprises financing long attached to China will be relaxed, meanwhile, city commercial bank get to thrive, thus help China form a relatively balanced, symbiotic bank system with tri-grade scales, help fill the financial services vacuum at the period when large banks strategically adjust, and avoid underground finance, and diversify financial services,eventually hasten China's banking competition. 2,Policy Suggestions:(1) Optimizing the structure of the stock rights, to form the restricting between the different stocks.(2) Developing the new credit products and service methods for the enterprises to improve the standard of the management.(3) Improve the ability of the human resource management.(4) Requesting the support of the government and the perfect law credit system.