Research And Countermeasures Inner Mongolia Branch Of Bank Of Communications SME Financing Business

The small and medium-sized enterprises (SMEs) have become the primary and active force of Chinese national economy, and are playing an irreplaceable role in promoting progress of science and technology, improving efficiency of resource allocation, increasing employment and expanding exports, etc. However, the difficulty in financing has become the bottleneck of development for SMEs. Although the government and banks have introduced policies and measures that have improved the financing environment for SMEs, the difficulty in financing of SMEs is not still resolved, and there are more and more complex problems are emerging in practice. If the bottleneck of financing can not effectively be broken, the healthy and sustainable development of SMEs will be severely affected.This study is based on the perspective of commercial banks, combines with years of work experience in Inner Mongolia Branch of Bank of Communications, takes asymmetric information theory, credit rationing theory and relationship lending theory as theoretical basis, integrates research methods such as literature research, analysis of mathematical statistics and inductive study etc., uses mathematical statistics tool of EXCEL, focuses on the basic research topic of "how Inner Mongolia Branch of Bank of Communications to develop the financing business of SMEs", explores the following three questions:(1) Using annual financial data of Inner Mongolia Branch of Bank of Communications from2009to2011and survey data from60loan SMEs, this study analyzes the current situation of financing business of SMEs, including business scale and efficiency, asset quality, variety of financial services, term of loan, price of loan, way of security, and industry distribution, etc.(2) Combining with the current situation of financing business of SMEs, this study analyzes the difficulties in the financing business development of the SMEs of Inner Mongolia Branch of Bank of Communications.(3) From the perspective of the actual operation and based on the existing difficulties, this study proposes countermeasures of improving financing business of SMEs of Inner Mongolia Branch of Bank of Communications.Through above study, this study obtains some theoretical and operational conclusions. The writer hopes that these conclusions can produce the sound development of credit and financing system of commercial banks, and effectively resolve the difficulties in financing for the SMEs.