Astudy On The Smes'credit Financing From The Perspective Of Bank-enterprise Relationship

In China's economy, Small and medium-sized enterprises (SMEs) is an important support power, but SMEs'financing difficulties have not been effectively solved. Bank lending which analyzed is the main source of external financing of SMEs, and the Bank-enterprise relationship is an important factor which can affect the credit financing, so that this paper which start from the bank-enterprise relationship to bring out the countermeasures of the SMEs'financing problem, has certain theoretical and practical significance.This paper is based on the financing structure theory, information theory, mechanism design theory and so on, begin with an analysis of current situation and problems of SMEs'financing, proposed the importance of credit facility to realize the SMEs'finance. From the analysis of SME credit financing,we found that Bank-enterprise relationship is an important factor of credit facilities. And through combining some other theory analysis with the analysis of a gaming model method, to get a further explain about the necessity and importance of realizing SMEs'credit financing. By virtue of comparative analysis in the bank relationship model between the United States and Germany, and the analysis of the Bank-enterprise relationship of a business case in Liuzhou, to bring up some enlightenment about how to improving the Bank-enterprise relationship. Finally from the perspective of optimizing Bank-enterprise relationship, propose related countermeasures to solve the SMEs'financing difficulties that every area of the macro and micro, form the government to enterprise,bank, should work together to address the plight of SMEs'credit facility.The main research path of this paper is the thought which starts from the optimal angle of Bank-enterprise relationships, to find the solutions to SMEs'financing difficulties; summering the Bank-enterprise relationship characteristics comprehensively and throughly, through a business case to analyze the factors which affect the Bank-enterprise relationships, form both the macro and micro part to improve Bank-enterprise relationships, and bringing up the countermeasures to help solving the problem of SMEs'credit financing, is the main innovation of this article.