The Importance Of Small And Medium-sized Enterprise Credit To City Business Development Research

With the gradual opening up of the pilot children of economic reform inWenzhou, China’s government has shown that a clear attitude to want to break themonopoly of the financial liberalization of the financial market, financial markets,technology has a profound impact on China’s banking industry. The role ofstate-owned large and medium-sized banks Big Brother began to gradually dilute theface of rapid economic change, brought a rare opportunity for city commercial banks.SMEs have become the most important part of our national economy. According tostatistics, China’s SMEs are still facing a huge financing gap is becoming moreimportant in view of the huge credit needs of small and medium enterprises, citycommercial banks to credit for SMEs, these studies will bring widespread economicbenefits. therefore crucial practical significance.The topics of this paper is in this environment, and research purposes to the fullanalysis of the theoretical and empirical analysis based on the importance of SMEs tothe development of city commercial, thus achieving the SME credit gap on Chinathecity commercial development has a crucial role in the purpose. The paper emphasizedthe SME Loan, the importance of development of city commercial banks, followed byanalysis of the City firm’s financing environment, a specific analysis, and theadvantages and disadvantages of large banks and small and medium-sized banks,combined with the small and medium enterprises SME Loan credit and citycommercial banks the theory of comparative advantage, the City firm’s developmentstrategies and models based on theory and practice to research ways conducive toChina’s city commercial banks, thereby enhancing the competitiveness of citycommercial banks in the new context of the new era, improve the management systemof the City firm, constructive comments and suggestions for the City firm’s futuredevelopment.