The Research On The Problems And Coutermeasures Of Local Commercial Bank Supporting The Development Of The SMEs

Small and micro enterprises is an organic part of national economyactivity,they have an irreplaceable role in such aspects as increasingemployment,promoting economic growth.However,difficult financing,loansdifficult has been the biggest obstable in the process of their growth.Localcommercial bank is the financial institutions which has unique advantages insupporting SMEs,should provide the omnidirectional,multi-level anddiffirent financial support and services practically for SMEs.But due to themultiple SMEs industry,small scale of capital,the financial systemconstruction,and information asymmetry,the local commercial bank is in astate of"hard loan"for them.In view of this,there are important theoreticalvalue and practical guiding significance for promoting the whole regionentity relationship and win-win development of economy to explore theexisting problems and their causes of SMEs "financing difficulties"and putfeasible countermeasures for local commercial bank to support thedevelopment of SMEs.This article is a research of the existing problems and solutions in the process of local commercial bank supporting the SMEs.First,by reviewingthe domestic and international SMEs’credit facilities,define the range ofSMEs in the second chapter,by discussing the theory of SMEs’ finance andlocal commercial banks’comparative advantage theory,laid a theoreticalfoundation for the full text.Second,by field research and data of DeZhoubank analyse the current situation and existing problems in the creditsupporting for SMEs,then come to three causes of the prblems:the SMEs andbanks’credit supply conditions do not match,regulatory agencise lackdifferentiated regulations,and the government support less.Third,by choosingTailong commercial bank and Baoshang bank as the model which hadsuccessful experiences to support the development of the SMEs,summarizethe good practices.Select Wells Fargo Bank comparise with localcommercial banks in China,explore the advantage in creating favorableexternal conditions.Final,on the basis of learning the experienses at homeand abroad,propose suggestions for local commercial banks to support theSMEs.