Research On Influence Factors Of ICBC Developing On Small And Medium-sized Enterprises’ Credit Financing

In recent years, ICBC Dalian Branch (hereinafter referred as" Dalian ICBC") has increased in the total credit amount, at the same time, also has some problems, such as a high degree of concentration on customer base and insufficient development aftereffect. Through the study on Dalian credit market, small and medium-sized enterprises’credit financing is a powerful means to solve the above problem. At the same time, along with the rapid economic development in Dalian, wherein the role of SMEs is indelible, but the greatest problem the existing medium and small enterprises facing is the financing difficult question.Based on it, the author has worked in Dalian ICBC for many years, studies the bank how to develop the financing of small and medium-sized enterprises to drive the credit structure optimization and to promote its further healthy development, at the same time this paper studies the influencing factors of financing of small and medium-sized enterprises to promote the financing in the development of business and to solve the problem of financing SMEs, which plays an important effect.This article combines the analysis of nowadays the research status at home and abroad, taking ICBC Dalian Branch of financing small and medium sized business for example, analyzes its present situation and difficult reason, these reasons include:commercial bank own reason, SMEs credit business cost is high as well as the reason of the commercial bank credit shortage reason. Based on this, this paper establishes two intercept models, respectively, is on the impact of the financing of small and medium-sized enterprises and its influence factors of quality of empirical research, which obtains conclusions:(1) small and medium-sized enterprises obtain financing is effected by whether the bank customer relations as well as the small and medium-sized enterprise fixed assets, owner’s equity, operating net cash and profit total concerned;(2) medium and small businesses making high credit quality is effected by paying attention to its assets and liabilities cash rate, debt ratio and return on assets, the other is the relationship between bank customer. Finally, this paper puts forward to relevant suggestions to empirical conclusions.