Investigation Of Financingdemonstrations Of The Medium And Small Mass-run Enterprises With The Relationship

The SMEs (Small and Media sized Enterprises) will play important role in the world economic development of the 21st. Century. It has become the vital part of the national economy, and has its strategic impression for the country's economic development. During the rising period of the whole world economy, this point has been accepted by international sphere of learning and operation. In term of the developing country, like China, the largest one, SMEs has occupy most of the national economics and they has become our economic engine and created many opportunity of employment. Take the specific situation into consideration, not matter foreign or domestic, to get finance support from external environment is very difficult for SMEs. And it has restrict the growth of the SMEs. As the bank loans is still the main channel for enterprise to get finance support, this paper focus the attention to the probability and availability of the SMEs getting bank loans.Relationship financing is a kind of innovative method of financing, comparing with the traditional financing method, on the base of the soft information between the enterprises and banks. This paper choose the relationship financing as the research target, and analyze the theory foundation and international experience, hoping to get enlightening and practical meaning.This paper analyze the theoretical reason of the predicament of SMEs, pointing out that the relationship financing can solute the problem of the information asymmetry between the enterprises and banks. The author has sorted out the category of the research results, and analyzed the operation situation of the relationship financing. Through the positive analysis, we get the characteristic of relationship financing in our country, trying to find out the enterprise-bank relationship attention point. I hope this paper could assist the enterprise to know the effect and applying procedure of relationship financing. At last, this paper also give synthetic suggestions to develop the relationship lending finance in China, both on the macro and micro point of view, expecting to solute the financing problem of the large number of SMEs in our country.