City Commercial Banks For SME Financing Support

With the rapid development of modern society, our economy is steadily rising across the countrysmall and medium enterprises have sprung up, and the momentum of development can not be overlooked.SME have become an important part of our national economy, but its financing is difficult, difficultfinancing problems been fundamentally resolved. Its important position and great role in the economicdevelopment is totally inappropriate.The statistics show that the number of small and medium-sized enterprises in China’s enterprisesto achieve99%. Prior to this, because the SME credit system is not perfect, and credit informationauthenticity is not high, resulting in the support of government policies, bank credit, and intermediariesservices for SME is not accurate enough in place serious constraints to the development of SME. Especiallyby the impact of the global financial crisis, many SME could not get financing support in a timely manner,went bankrupt Close.City commercial bank financing support to SME has inherent advantages unmatched by otherfinancial institutions, but also of great help to the development of their own. Although the service processwill be faced with many internal and external difficulties, city commercial banks will be with their ownadvantages, in the financing of SME play an important role, and form their own core competitiveness. Citycommercial banks by its own characteristics, efficient management model, banks and enterprises a win-winsituation to create an idealized situation.In this thesis, starting from the two major premise of the development of city commercial banksand SME financing: how the city commercial banks in providing financing support to small andmedium-sized enterprises at the same time, realize their own interests to seek a fusion between thismaximization. Contemplated under the research background leads to a discussion of the problem, analyzethe problem, the problem case study, and finally put forward ideas for further countermeasures to solve theproblem, and is divided into six parts. The first part succinctly described the background and significanceof selected topics of this thesis, analyzes and summarizes the research results of the fathers on the subjectof this study, leads to the issues discussed in this article. The second part describe briefly the financing situation of SME in China, including how to define SME, SME What are the typical characteristics of thedifficult financing situation of SME, as well as its financing. The third part, a brief description of thedevelopment of city commercial introduces how the city commercial banks in SME financing business, andultimately achieve a win-win situation and its state. The forth part, Focus explores the success stories of theZ-city commercial banks to support SME, which summed up valuable experience. In addition, it alsoexplores the two instances of Z-city commercial banks to support SME financing. The fifth part combinedwith the market positioning of the fourth part of the case from the city commercial banks, set up the matchwith the SME institutional organization, risk management and other aspects of a series of suggestions toimprove further and solve small and medium-sized, small micro-enterprise financing difficulties problems.The sixth part, the conclusions of this thesis, summarized, and innovation and deficiencies of this paper.The papers by collecting domestic and foreign journals and database data, combined withdomestic success stories, as a basis to explore how China’s city commercial banks should support SMEfinancing.