The Solution Of A Commercial Bank Financing For SMEs

According to statistics, there is66000of small and medium-sized enterprise in the city of Chengdu, accounting for95%of all enterprise chengdu number, the employees of the small and medium-sized enterprises reached more than180ten thousand people, in the "eleventh five-year plan" period, small and medium-sized enterprise was growing at an average of31.1%. Small and medium-sized enterprise gradually developed into an important force in chengdu city economy. Small and medium-sized enterprises play a crucial role in promoting the economic development of chengdu, to promote employment, and promote the development of chengdu international trade and raise the level of science and technology. However at the same time of the small and middle enterprises in chengdu with a rapid development, there are also many problems, one of the problems is difficult to get financing support.Both Banks reasons and small and medium-sized enterprise reasons Cause the small and middle enterprises in chengdu is difficult to get loans. The reasons of bank including chengdu commercial bank risk preference, the limit of commercial bank credit business management evaluation and incentive measures is against the small and medium-sized enterprises to get lending. Enterprise reasons including make with the small and middle enterprises in chengdu, as a representative of the small and medium-sized enterprise existence property rights are not clear, financial sustainability is poorer, lack of collateral and so on.The chengdu xx commercial bank of carrying the system innovation to slove the prombles such as Product innovation and risk control aspects of the reform. But we think those measures also exist prombles and that it can take to strengthen and industry associations of chengdu cooperation and actively cultivate the financial intermediary measures to solve these problems.From successful experience to solve the financing problems of small and medium enterprises countries all over the world, the measures they taken often is comprehensive, which includes financing, improved social credit conditions, support small and medium-sized enterprises in technology, management and marketing. This paper argues that in order to get a last solution of the small and middle enterprises in chengdu bank financing difficult problem.we also need to take these measures Such as bank support, small and medium-sized enterprises pay attention to their own development, improve the the social environment, make law and improve service conditions of small and medium enterprises an so on.