Research On The Financing Of Small And Medium Enterprises From The Perspective Of City Commercial Bank

The small and medium enterprises are playing an important role on carrying out toacculturate professional cooperation, carrying on technique innovation, increasing anemployment, fulfiling residents’ diverse and characteristic. But the development of SMEs issubjected to many aspects. Financing difficult problem is the most difficult problem amongthem. The bank loan is the important external margin source of small and mediumenterprises. Commercial bank in the city ’s service aim is servicing place economy, smalland medium enterprises and residents in the city from the beginning. Compared with theStateowned commercial bank, and it have an advantage on obtaining of soft information,supporting of the local government up, the time limited efficacy of the business operation.Therefore, we should develop the competitive advantage of commercial bank in the cityand find out the way of overcome the difficult of SMEs financing.This text set out from the theory that the city commercial bank supported of thefinancing of SMEs and analyzed to elaborate related concept and theory, for empress thetext research provided a theory frame. In addition, the article tallied up the currentlymargin present condition of our country SMEs and carried on the realistic reason for thedifficult finance of SMEs.At the same time, this text take Laishang commercial bank for a positive case, and getgood experience from it and also generalize the excellent experience of Taiwan, the UnitedStates and Japan, on this foundation, we put forward suggestion to commercial bank in theour country city for developing SMEs.