Empirical Study On The Factors Of Sme Financing

SMEs are an important part of the national economies in an active market, expanding employment, and promote technological innovation plays an increasingly important role. In China, with the continuous deepening of reform and opening up, SMEs mushroomed quickly grow up and gradually become a new force of the market economy, however, the financing issue has been the important issues facing the development of small and medium-sized enterprises. A series of laws and regulations of our government and take a number of support for SME development and financing policies. Our government and a number of supporting SME development and financing policies. Chinese government efforts to broaden the financing channels of SMEs in China, an increase of the size of bank loans, to promote the financial support of private capital for SMEs improving the financing environment for SMEs. SME financing bottleneck is still an important factor restricting the development of small and medium-sized enterprises, to solve the financing problem is imminent.For commercial banks, with the changing economic situation, the large quality enterprises to financial disintermediation trend becomes more obvious, but also the banks to use various means to seize the Heights. Commercial banks are subjected to profitability requirements of commercial banks in recent years which has been small and medium businesses as a focus of future development. Therefore, the study of financing for SMEs, not only essential for small and medium enterprises also plays an important role for banks to increase profitability, enhance the competitive edge.Based on the area analysis, this paper uses Internal data to a branch of a national commercial banks in SME lending to analyze the factors affecting the financing of SMEs. This paper also suggests Solutions to solve the problem of financing SMEs and based on in-depth micro-level, in order to address SME financing, development, active in the real economy, promote economic development and people’s job to make a useful contribution.