Discuss Our Country's Small And Medium-sized Enterprises' New Thought Of Financial Support For Taking TS Bank As An Example

Under the continous tightening monetary policy background of our nation, how to solve the financing problem of small and medium-sized enterprises(SME) is still the focus of public concern. Statistical data shows that, SMEs have created a significant contribution in the national economy's growth, tax revenue, induction labour forces, and supply employment chances. They have become the important forces of economic development and social stability. Where there is no SMEs'recovery, there is no China's economy recovery. Where there is no SMEs' stable development, the social employment would be difficult to guarantee. However, in a long term, the financial support which SMEs received doesn't match the SMEs' contribution. The problem of "the SMEs financing difficultion" in our nation's economic development status of ascension has been paid much attention. In view of the main method of SME's financing is the bank loan, then the problem of SME's financing can be great extently converted to the problem of SME's loan difficultion.In all kind of the supporting and encourage the development of SME policies, strengthening the commercial bank's financial support for SME lies in the core position. Commercial banks to enhance the financial service for SMEs which is not only beneficial to widen the range of SMEs financial services, improval the financial service level of decision-making, but also can promote the commercial banks and SMEs sustainable development, realize the win-win situation. Along with our country financial mechanism and market competition mechanism to improve and mature, financial institutions will put more attention to SMEs. For financial institutions, financial services for small and medium-sized enterprises is bound to become a change customer structure, increasing market share, enhancing operating profit strategy choice of commercial banks. In the current international financial crisis continues to evolve and causes to Chinese economy influence of uncertainty situation, financial industry increases to its support to SME development, to implement the central government to expand domestic demand, to promote economic growth policies, which will has a great realistic significance and positive effect.This paper determine our country's SME dividision standards, and summarize our country's SME basic characteristics, analyse the reason of financing problem of SME from three aspects of the small and medium-sized enterprises themselves, from financial institutions and social environment. The paper mainly stand on TS bank's point, from establishing a new relationship between banks and enterprises, innovating guarantee model and improving the marketing mechanism, intend to put forward to new ideas on SME's financal support. Because of the confidentiality of involved data, the paper used TS bank' as its fictitious name, but the related data and cases of TS bank are taken from the real data.