Study Of Smes In China Bank Credit Facilities

Through the use of supply and demand analysis, comparative analysis, combining capital institutions theory, the gap theory and financial risk theory with a large amount of data and use of,relevant indicators, this article on our bank credit facility for SMEs to make the status of basic conclusion: Our bank credit for SMEs is the most important or even the only source of external financing channels; My SME credit facility inadequate bank credit facility to the situation in reality.Then, the reasons are analyzed from that the bank credit of SMEs' is difficult. Since my early for the implementation of industrialization strategies taken up by the financial constraints of the financial system arrangement, the financial system, while the reform process was continually changing, but this is a modern city by the state-owned commercial banks by rural credit cooperatives financial domination pattern still constitute credit facility is the main macro reasons, specifically included in the financial structure of enterprises financing channels narrow, state-owned commercial banks by the management, bank credit, technological backwardness three reasons. The other, the credit market borrowing the information asymmetry makes financing market borrowing behaviors can only partially occur or it is difficult to place, which constitutes a credit facility to the main reasons. As information are asymmetries, in direct financing market to finance SMEs. Credit markets, as information are asymmetries that SMEs become the main bank credit rationing targets.To alleviate the SME credit market information asymmetries, this proposal should establish and improve our credit system. This view should be established to "Credit Union" - based credit system model. At the same time, this innovation from the perspective of our bank credit technology, banks should make our development "loan commitment" credit products and the use of credit scoring standards to increase bank lending to SMEs, both in terms of quality and quantity.