A Study On The Problems And Countermeasures Of Financing Service For Small And Medium - Sized Enterprises In Commercial Banks

Since the reform and opening up, China’s small and medium enterprises(SME) have been developing rapidly and playing an increasingly important role in the whole national economy, making a significant contribution for China’s economic growth. But in recent years, due to the external financial, internal economic transformation and upgrading and so on, SMEs have been immersed in predicament, chief among which is the issue of financing difficulties.As the backbone of the country’s financial system, commercial banks should solve these problems and create more conditions for financing of SMEs so that to facilitate their future playing a more important role.This paper, combining the research results of predecessors and reference literature, analyses the status of financing of SMEs and the development of commercial banks’ financing support to SMEs. The paper also analyses SMEs’difficult financing problems and proposes financing strategies and solutions for commercial banks to solve those problems. Lastly, this paper take Zhejiang Tailong Commercial Bank’s specific measures for SME financing as an example, empirical analysis commercial banks’ useful attempts in expanding SME financing business. The practices of Zhejiang Tailong Commercial Bank have a very practical significance for Chinese commercial banks to resolve the problem of difficulties in SMEs financing.