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Research Of Correlation Between The City Commercial Banks And The Small And Medium-sized Enterprise Development

Posted on:2013-09-26Degree:MasterType:Thesis
Country:ChinaCandidate:H JiangFull Text:PDF
GTID:2249330371492511Subject:Business Administration
Abstract/Summary:PDF Full Text Request
In the economic life of our country, small and medium-sized enterprises have already become an important force of booming economy, enlarging employment, forming new industry. In recent years, with the rapid development of economy and the transition of industrial structure, we will pay more attention to the rapid growth and development of small and medium-sized enterprises, but in recent years, the financing problem has puzzled most of the small and medium-sized enterprises, restricting their development. Among them, small and medium enterprises choose the bank loan as the preferred financing channels, but some negative difficulties are not solved while contacting the credit business. Therefore,"the financing of small and medium-sized enterprises" has become the demanding prompt solution in all levels of government departments, banks, guarantee agencies and the enterprise itself problems to be solved.This paper discusses the commercial bank credit business theory in our country, introduced the development process and the present situation of our country commercial bank credit product. Focuses on the analysis of the commercial bank of our country to solve the problem of financing about development innovation of a series of assets, liabilities, intermediate business related products in small and medium-sized enterprises. Then it analysis the problems about business cooperation of the commercial banks and small and medium-sized enterprises especially on the process of credit business, and then analysis some small and medium enterprises as the indirect financing channels to promote the development of enterprise more steady and faster. In view of the small and medium-sized enterprises in financing the various links in the process of the existing problems in practice, this paper analysis of its causes, and proposed solutions, in order to achieve the objective of a win-win situation of cooperation of what the bank enterprises look forward to.At the same time, the paper puts forward to solve the financing problems, helping the medium and small enterprises development process bottleneck constraints, which is not just the bank credit funds that could be completely resolved. This requires linkage, rational use of fiscal policy to support various financing products and means, establish and improve the financing guarantee system, as well as in the management idea, operation pattern, the respect such as industrial structure auxiliary pushing the rapid development of medium and small enterprises, insist on the financial theory, the product and the concept of innovation, the breakthrough of small and medium enterprises, private enterprises financing problems.
Keywords/Search Tags:Small and medium-sized enterprises, City commercial bank credit, Risk control, Credit crisis
PDF Full Text Request
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