The Strategy Of Kunshan Rural Commercial Bank To Meet Small And Medium Enterprises’ Financial Demands

Small and medium-sized enterprises are important components of China’s national economy, its development is directly related to the overall situation of national economy, the technology innovation, industry upgrades, social progress is of great significance. Since the reform and opening up, China’s small and medium enterprises experienced a period of vigorous development, the number of enterprises, industrial distribution, organizational structure and size have made a great breakthrough. However, along with the macroeconomic situation evolve, especially state-owed enterprise reform, market transition and a series of important social and economic change, the small and medium enterprises to bring huge funding needs. Facing this kind of demand, especially in the country’s monetary policy is tight, all financial institutions credit-tightening conditions all of the SME financing supply is apparently insufficient, resulting in small and medium enterprises fund supply and demand gap, namely the problem of financing. Therefore, small and medium-sized enterprises can only apply for loans to small and medium-sized financial institutions, small and medium-sized financial institutions have certain capital supply ability. Kunshan rural commercial bank credit cooperatives in2005restructuring of the establishment of a regional commercial banks, as a small financial institutions, it serves the core object for the majority of local small and medium-sized enterprises, how to effectively solve the local financing question of small and medium-sized enterprises to become Kunshan agricultural firms one notes allow evasive real problem.This paper firstly at home and abroad on the financing of small and medium-sized enterprises information sorted and summarized, followed by the introduction of the small and medium-sized enterprise financing theory, including theories of financing structure, financing channels and the theory of information asymmetry of credit rationing theory. Once again, the United States, to Japan, Germany and other developed countries SME financing mode to undertake an analysis, reach to our country small and medium-sized enterprise financing. Finally, focuses on the analysis of Kunshan agricultural business in small and medium-sized enterprise financing question and the reason, the Kunshan agricultural firms in financing of small and medium-sized enterprises play a positive role, from the government, enterprises, banks and other aspects of the comprehensive, scientific, effective reference. The bank’s management, the development of small and medium-sized enterprises, Kunshan city economy fly have certain contribution.