The Differences Of Different Ownership Structure Of Commercial Banks In SME Financing

In China's national economic development, SME is always an important force to promote andfacilitate economic development in China. SMEs as a stage for people to display themselves, is ableto achieve the entrepreneurial dream and provide a wide range of employment opportunities.However, due to the problems of its own and external financing difficulties has been the problem ofrestricting the development of SME s in recent years the situation is more serious.Banks as a necessary way of the financing of SMEs have not played a role yet, what is thereason?This paper uses panel model different proportion of private capital bank and the financing ofSMEs relationship, found that equity structure influence the financing of SMEs, the proportion ofprivate capital, the bigger the loans to SMEs better.Interest rates as a tool of state regulation of credit, what is the situation of SME financing indifferent interest rates? In this paper, the Spearman rank test to study if the level of lending ratesaffect the SME financing situation?And also find that the national bank of SME financing is notrelated to the level of interest rates, Minsheng Bank SME financing and interest rates werenegatively correlated.The main reason is that the differences in ownership structure and ownership,the National Bank's main object is a large state-owned enterprises, the proportion of lending toSMEs was relatively low interest rates, the difference is not obvious. Minsheng Bank clients aremore diverse, because of the different interest rates, credit easing and tightening financing for SMEs,there are also differences. Especially in recent years, the prevalence of the shadow banking bankloans usury market, resulting in SMEs in the smaller share of loans from the bank's credit crunch.Solve the difficulty in financing SMEs can reduce the banking industry admittance thresholdfrom the start, let private capital into small and medium-sized banks gradually, small andmedium-sized Banks in existing is conducted on the basis of stock transformation, slowly in themedium and small enterprises set up specialized service organization, and step by step.