The Research On Financial Support Of China Construction Bank Chen Zhou Branch For Local SMEs

Three decades of reform and opening up, China’s economy has achieved rapid development, small and medium enterprises play an increasingly important role in the national economy. However, the small and medium-sized enterprises, especially small and medium-sized private enterprises, at the same time to achieve rapid development, but also encountered many constraints to development problems, and money is tight, narrow channels of financing has become an important factor restricting the development of SMEs. Therefore, the study of how to crack the small and medium-sized enterprises "difficulty in obtaining loans and bank loans difficult" to this contradiction, guiding role to promote the sustainable development of small and medium enterprises. Especially the rising costs of production, so that the financing needs of enterprises and more vigorous. This article to explore the road of innovation for SME loans from the bank’s point of view, it is particularly important.This paper first describes the research background, the issues to be analyzed, and around the analysis were reviewed the relevant literature at home and abroad. Then, in Chenzhou City Construction Bank branch SME business made a brief introduction. Then, the departure from the two perspectives of collateral innovation and guarantee mechanism innovation, both to ease the financing difficulties of SMEs, and further theoretical analysis and case verification. This paper selected mineral rights of Chenzhou Branch of Construction Bank mortgage cases and the case of "co-insurance loan" business platform, fully illustrated the efforts made by the Chenzhou Branch of Construction Bank in the crack of the financing of SMEs.