China's Commercial Banks With Loans To Smes Financing

Funding difficulty is the bottleneck of the development of the Small and Medium-sized Enterprises(SME). As SME plays more and more important role in China's national economy, how to lessen the funding problem of SME becomes an emergent task nowadays. Since SME will still obtain most of its financial aids from bank for a long time, the paper mainly studies the problem of credit financing in SME.On the basis of academic definition of SME and general theory of financing patterns, the paper analyzes the current situation of SME credit financing in our country by using a large number of charts and data, then analyzes the reasons caused credit difficulty from three aspects in SME, bank and government. Research on SME credit financing on the view of commercial bank is the main part of the paper, and suggestions in theory and practice are given for banks to solve credit difficulty. As the system of credit assurance plays an important role on overcoming the SME credit difficulty, it should be established as a suggestion given in the paper after taking some successful experiences from the developed countries.