| With the development of China's market economy, SMEs in the national economy and social development, the status and role of all sectors of society more and more widely recognized.It is estimated that in China, accounting for more than 99% of the total number of enterprises are SMEs,employment and the national economy of our society the main body, is resisting an important pillar of the financial crisis.SMEs employ 75% of the urban population and rural labor force transfer of employment, GDP, the contribution rate of more than 60% of the tax rate of over 50% of the contribution,innovation and links of 65% of the patents,80% of product development from the SMEs.In this context, the problem of SME financing has been widely attention and become a hot topic in all walks of life.This article aims to several SMEs financing through Everbright Bank of China typical pattern of analysis,study compared the use of bank financing model innovation, break the plight of SMEs financing difficulties and to learn from foreign advanced experience, propose solutions to SMEs financing from banks is difficult Countermeasures.This study will help Everbright Bank of China to fulfill their social responsibilities,to achieve business transformation and competitive strategy of adjustment,Everbright Bank of China will help boost savings and improve efficiency and effectively control risks, improve asset quality, but also contribute to the use of SMEs to bank financing model to solve the current issue of financing difficulties.This paper is elaborated as following structure:First explain topics of the background,significance and research ideas on the relevant theoretical literature to be reviewed,This theory is based on the credit gap theory, the theory of credit rationing and relationship-based lending theory and highlighted the innovative approaches to this article and practical significance.Then describes the relevant literature and foreign banks in developed countries the advantages of financing environment,and its analysis of the characteristics of bank financing,That the financing environment in developed countries due to good,small and medium financial institutions in developed and appeared in the bank financing mode polarization, Or a standard transaction-based lending, emphasizing bulk-oriented operation,transaction costs low; or relational lending to small and medium banks mainly through close cooperation between banks and enterprises to reduce the degree of information asymmetry, thereby increasing credit lines to enterprises.Then describes the main characteristics of SME bank financing,financing difficulties of its in-depth analysis of the causes, focusing on their own from the small and medium enterprises,banks and financing environment to be launched in three areas,to provide bedding for the next chapter.Afterwards provides a brief analysis of Everbright Bank of China launched SME clients profile and business conditions,focusing on the Everbright Bank's existing bank financing for SMEs in several typical patterns of the advantages and disadvantages of empirical analysis and comparison, Pointed out that the information asymmetries and transaction costs is to determine whether a bank to provide financing for SMEs a key factor. SMEs are more valued transaction costs and trading conditions for small and medium enterprises to maintain a long-term close cooperation with the banking relationship can effectively alleviate the information asymmetry caused by financing difficulties.Finally is the innovation part, Through the aforementioned analysis,mainly from the banks efforts on targeted propose solutions to difficulties of SME bank financing proposal.For banks,the need for professional management system for SMEs,R & D for SME financing products and services through innovation, reduce information asymmetries and simplify loan procedures.At the same time, to improve risk awareness and strictly controlled to prevent the risk of SME financing, SME financing a healthy and orderly development. |
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