Study On Credit Mode Of Small And Micro Businesses In Bank Of China Jilin Branch

Communications and information industry as the main content of the high-tech industries topromote economic development as a the leading force, which a large number of small andmedium-sized high-tech enterprises to the rapid formation and development. China’s SMEs arean important part of the national economy, in economic and social development cannot bereplaced with the large enterprises of the special strategic position. Small business market as thebasic active forces in society to accommodate the majority of workers, in promoting economicgrowth and address the employment and re-employment process, plays an important role. Thedevelopment of small and medium-sized the need for a strong financial support, but because oftheir own and China’s economic system, and many other reasons, led to China’s difficulties infinancing for small and medium-sized widespread problem, causing difficulties in financing forsmall and medium-sized single mode of financing, the financing channels for narrow-minded,There are many deficiencies in the financing structure. Financing small and medium enterpriseshas seriously hampered the pace of development in China. The current global economic crisis onChina’s survival and development of SMEs have had a great impact because of the lack offunding, many SMEs are faced with the plight of imminent collapse, but from a long-termperspective, the issue of financing has become an obstacle to small and medium-sized the mainreasons for enterprise development. Want to solve the survival and development of small andmedium-sized obstacles, to try to solve the financing problem of SMEs is an effective way. In thecurrent context of economic crisis, what kind of financing solutions to small and medium-sizedproblem is worth exploring.This article focuses on small and medium enterprises financing in China for the financing ofthe current situation and problems in the process, analyze the causes and solutions to exploreways to improve the status of SME financing, broaden its financing channels to make somesuggestions to solve the financing problem of SMEs in China, China to speed up thedevelopment of SMEs, and promote the development of China’s national economy.