Construction Bank Financing For Small And Medium-sized Businesses, Financial Innovation

This article first defines the concept of small and medium enterprises, respectively, for the theory of corporate finance from the asymmetric information theory, theory of credit rationing, credit gap theory, transaction cost theory, the five aspects of credit relations, sort of, and for the current situation of SME financing analysis; and then from the theoretical and practical aspects to analyze the reasons for financing small and medium enterprises, credit guarantee from the theory of relationship lending theory, supply chain financing credit and cluster theory, financing of Optimal Growth Cycle Theory and corporate finance and financial innovation theory put forward five key measures to solve financing difficulties.Then the financing needs of SMEs in China based on the analysis to better understand China's commercial banks to support SME financing situation of SMEs by drawing on foreign banks for financing innovative strategies to make our bank financing for SMEs innovation strategy to financial products for financial institutions in innovative design, promotion and other aspects of theory and experience to provide guidance.In the main part of this article, mainly in China Construction Bank branch in Quanzhou, Quanzhou, based on an analysis of financial innovation, innovation of financial products ease the financing of SMEs in the important role. Specifically: First, Quanzhou Economy, SME financing to analyze the situation; then, from the Construction Bank of analyzing product design, from the perspective of the bank's supply of innovative financial products, the main content, design ideas and to its effectiveness analysis; Then, according to the Construction Bank in Quanzhou, a strategy to promote and effect the course of an analysis, and further evidence of financial product innovation process in addressing the value of SME financing; Finally, China Construction Bank branch in Quanzhou, Quanzhou, to sum up the practice of financial innovation and make recommendations, and to its future development prospects.