Commercial Bank Of SME Loans

SMEs to grow as the reform and opening-up of the force, has become an important force driving economic growth and employment in the society to absorb an important carrier for integrated contribution to society increasingly playing an increasingly important role. SMEs now account for 99% of the national total number of enterprises, China's 60% of GDP,50% of the revenue,60% of the total imports and exports,65% of the national invention patents,80% of new product development and innovation comes from small and medium-SMEs with more than 75% of urban jobs to absorb more than 70% of the rural migrant workers. The development of SMEs in the economy as a whole plays an important role. Small business financial services as a worldwide problem, has been plagued all of the small and medium enterprises and financial institutions, in particular since 2008, domestic and international economic and financial situation is complicated and changeable international financial market turbulence on the real economy has become increasingly apparent, on China's economy, particularly SMEs, the impact of the gradual expansion of production and operation, many small businesses encounter business difficulties, sales revenue and corporate profits decline, tight liquidity, some SME managers in trouble from time to time bankrupt, giving rise to the social wide attention, but also the bank has increased the risk of SMEs. Financing difficulties have become the bottleneck restricting the development of SMEs to solve this problem is imminent. As the main channel for SME financing, China's commercial banks in SME financial support of the many ways there is a big gap, it is difficult to meet the financing needs of SMEs, this paper will address this phenomenon, pointing out that China's commercial banks must pay attention to and develop SME credit business. In this paper, credit financing small and medium enterprises at home and abroad a comprehensive overview of the theory; followed by the financing of small and medium enterprises undertake a situation analysis, pointing out that the reasons for difficulties in financing small and medium enterprises, in general, including banks, enterprises and society in three major aspects; and then to ICBC Henan Province branch, for example, raised commercial banks to develop SME credit business necessity, significance and the challenges facing; Finally, the commercial banks to increase SME financing support for new ideas:The commercial banks should change their concepts, to supplement and improve credit management, continuous innovation in financial products, allowing commercial banks to better provide financial support for SMEs, banks and enterprises to achieve win-win situation and development.