Scientific Style Small And Medium Enterprise Credit Supports Problem Research

Science and technology small and medium enterprises in the economic development of our country science and technology innovation and transformation of achievements in science and technology play an important role in.Science and technology development of small and medium enterprises of China’s hi-tech industry development is a microcosm of the world, showing the new development direction of the industry. As one of the high-tech industries, small and medium-sized enterprises has its "small, fast, Ling" characteristic, in maintained rapidder development while, in stimulating national economic growth has played a positive role.However, when we find that the small and medium sized enterprises in China’s economic development and scientific and technological innovation in an important position, we also want to see in the financial activities, especially the financing activities, small and medium-sized enterprises tend to be special "care", nobody cares.The academia thinks the small and medium-sized enterprises to a great extent the single financing mode and channel not free, small and medium-sized enterprises often can only rely on its own funds for production and operation and development.Its development potential and velocity are affected by external financing channel is not smooth constraints.Because the capital market of our country at the present stage of development is slow, lag and to be perfect, coupled with the small and medium-sized enterprises operating period and size constraints, but also because of asymmetric information, can be commercial banks sufficient collateral and many other factors, it is the science and technology small and medium enterprises financing difficult main reason.These leads directly to our country new and high technology to economic growth contribution rate is low, low transformation rate of scientific research achievement, serious influence our country high new technology industry development.China’s economy is in a critical moment to accelerate the transformation and upgrading, scientific style small and medium enterprise growth and rapid development in this period is to promote our country economy development the important factors.The Agricultural Bank of Jiangsu to speed up the development of science and technology of small business credit business is a big social responsibility to fulfill the inevitable choice, on the other hand, is to drive business transformation, development of high-value intermediary business development and implementation of blue ocean strategy.This article follows from abstract to concrete, from the general to the particular, linking theory with practice research ideas, the theoretical analysis and practical analysis of a combination of research methods, analysis of domestic and foreign technology bank advanced experience, combined with science and technology in the construction of the bank that enlightenment, put forward a new technology bank construction concept service innovation and construction scheme, to serve the small and medium sized enterprises of science and technology, solve the problem of financing small and medium enterprises, to do everything in one’s power research and exploration.In this framework, can better realize the Agricultural Bank of Jiangsu rich credit customer resources and strong management organic integration, create better economic and social benefits.