The Research On SMEs' Financing Platform Of He County Undertaking Industrial Transfer Demonstration Area

In the background of the wave of the fourth global industrial transfer and coordinating regional economic development, the Wanjiang City Belt Industrial Transfer Demonstration Zone, which would play an important part on the rise of Center China, was founded taking advantage of this opportunity. As the Jiangbei Zone has good hardware environment such as the advantages of region, resource, transportation, bearing and so on, it provides a good motion for the small and medium enterprises to transfer to. Since the SMEs have just transferred to this zone not long, their credit system has not been created, and the zone's financing environment is not so good and level is not high, the SMEs have stuck into the problem of financing. Without this problem solved, the transferred SMEs would have difficulty in development and the transferring SMEs would hesitate and stall. To avoid the appearance of this phenomenon, the most urgent thing is to found a suitable financing platform.As a straight region of Anhui Province, Jiangbei Zone's good political environment has attracted banks and guarantee agencies to found branches, providing sources of funding and risk prevention. Second, this essay analyses the necessity and feasibility analysis of financing platform from a strategic height. Moreover, three security gates are built to deal with the possible risks of financing platform before founding the financing platform, ensuring the platform to operate healthily. Based on those, the infrastructure of the financing platform can be divided into four parts that is platform carrier, loan providers, risk guarantees, and loan beneficiaries. The platform is operated by the SME Development Promotion Center which is ruled by Jiangbei Zone and implement the relevant polices on behalf of the government. The commercial banks sign a cooperation agreement with the SME Development Promotion Center and provide loans. The platform implements security sector membership. The introduction of group credit and government credit strengthens the ability of anti-risk of the platform. Finally, it is the SME Development Promotion Center deciding which SMEs have the right to loan and makes package loans to them. The financing platform makes good use of the advantage of organization and coordination of government departments, advantage of the creative financial of commercial banks, and professional advantage of credit of guarantee agencies to solve the SMEs'financing problems. The platform creates a new situation of financial support for SMEs and provides a good soft environment for SMEs to transfer to Jiangbei zone.