SMEs Financing Credit Demand And Supply Study

In recent years, the development of SMEs has been widespread concerned in the community, SMEs have become China's national economic development of a new growth point of China's sustainable economic and social development are important new force. In the promotion of scientific and technological progress, promote employment, expand exports, and played a not to be ignored and irreplaceable role. However, due to China's financial structure, mechanism and policy factors such as environmental constraints, the development of SMEs are facing many enterprises are difficult to overcome the contradictions and problems. In these difficult problems, as a worldwide problem, the problem of financing is the first, the whole nation into an issue of great concern. SME financing difficulties, difficulties in financing the narrow channel, when the source of financing small scale, the threshold is too high interests of the financing, SMEs can rely on the only commercial bank credit financing. China's banks dominated the financial system; bank credit financing is a substantive impact on SMEs, the main source of financing. Therefore, bank credit rationing, structural changes and integration of the banking sector, credit guarantee system for SMEs build credit facility will have a direct impact. Therefore, the credit financing to SMEs for a unique perspective, three-dimensional and comprehensive of its in-depth research, is of theoretical value and practical significance. This paper will focus on SME financing needs and bank credit supply of credit to SMEs financing factors, hope to credit for SMEs through in-depth analysis of the causes of financing difficulties, then the right remedy to the appropriate credit facility to ease the plight of SMEs Response. Therefore, the factors affecting the financing of SMEs is of great practical significance.