Research On City Commercial Banks Serving Small And Medium-sized Enterprises

After 13 years of development, there are 136 city commercial banks being formed in China today. They have become an important force in China's financial institutions. City commercial banks belong to the local joint-stock commercial banks, at the beginning of establishment," Services for Small and Medium-sized Enterprises, Services to the local economy" are their goal. Because of backward management and unsound financial system, Small and Medium-sized Enterprises don't have enough financing channels and quantity financing to develop their own. Financing difficulties are their development bottlenecks. Financial crisis create unprecedented difficulties for Small and Medium-sized Enterprises. It is practical and significant that city commercial banks how to cultivate core competitiveness and how to improve and resolve difficulties for Small and Medium-sized Enterprises.Combining with the coming situation of macroeconomic slowdown and the increasing impact of financial crisis, the thesis is based on the actual situation of Chinese city commercial banks and middle and small size enterprises. Then it analyses the financing situation of small and medium-sized enterprises, and the advance experience which are used to solve the problems of city commercial banks financing Small and Medium-sized Enterprises. They are norm methods, giving examples, definite the Property and quantity. It not only talks about difficulties of city commercial banks financing for Small and Medium-sized Enterprises, but also refers to how to solve this problem. Research conclusions are as fellows:Firstly, Self-management features, asymmetric information, collateral difficult, bad Operating environment, all the factors together cause the financing difficulties.Secondly, 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, operational efficiency, in centralized management. They are also confronted with fuzzy market goal, lacking of suitable financial products for Small and Medium-sized Enterprises, lagging risk assessment methods and lacking Risk awareness.Lastly, City commercial banks should insist on Services for Small and Medium-sized Enterprises, develop suitable products, services and procedures for Small and Medium-sized Enterprises, Strengthen risk management to improve and resolve difficulties for Small and Medium-sized Enterprises.