Investigation Of Financing In Small And Medium-sized Enterprises With The View Of Commercial Bank

Small and Medium-sized Enterprises are playing an important part in the national economy with the rapid economical development. It promotes the development of the national economy and technical renovation. However, financing is the bottleneck of the growing of the Small and Medium-sized Enterprises.Actually, the problems of Small and Medium-sized Enterprises are lack of their own funds; low credit level; insufficient security capacity; uncertainty development prospect et al. In the meaning time, there are lots of problem within the commercial bank. For instance, cooperate with big businesses and ignore middle and small businesses; centralization of the organization; limit to a large amount of policies; insufficient financial products for middle and small businesses; low credit efficiency et al. The following this paper will give the solutions for credit strategy choice of the commercial bank for middle small enterprises which could meet the needs of funds of middle, and small enterprise, and could control the risk and cost benefit of the commercial bank.This paper investigates commercial bank policies on the loan to Small and Medium-sized Enterprises with the case of Industrial Bank by combining the standard and the cases, theory investigation and practical analysis. First of all, the current situation of the support of commercial bank to the Small and Medium-sized Enterprises will be presented. Based on the case of the Industrial Bank, the current policies of commercial bank and the financial business to the Small-and Medium-sized Enterprises will be given. The second part will be the analysis of concrete typical cases about Industrial Bank financial for Small and Medium-sized Enterprises. The current loan policies and the problems of the commercial bank as Industrial Bank will be concluded. The following part will be the analysis of the reasons of the previous problems which about management philosophy and institution of commercial bank, the drawback of the Small and Medium-sized Enterprises themselves, and the negative effect of external environment. Finally, based on the drawback of current policies and the cause of these problems, by combining the advanced experience from home and aboard, the operable solutions will be given for commercial bank, government, and Small and Medium-sized Enterprises.