Strategy And System Study Of Commercial Bank How To Relieve Financing Problems Of Small And Medium-Sized Enterprises

Small and medium-sized enterprise financing problem is a worldwide problem,known as " Mcmillan gap ". The problem in our country is also quite outstanding.The small and medium-sized enterprises credit capital is low, the management scaleis small, opaque information and gurantee the respect such as lack of collateral forinternal reasons, but also guarantee system is not perfect, the SME financing systemis not perfect wait for external cause. But the small and medium-sized enterprisesplays more and more important role in our national economy, it plays quite a positiverole in promoting economic development, solving rural labor force, alleviating theemployment pressure. Therefore, solving financing problems of small and medium-sized enterprises and promoting its sustainable development is quite significant tothe whole development of our country’s economy. City Commercial Bank which actas developing main banks in china banking, because of its advantage in motivation,process and ground field, deciding it can make big achievements in helping to solvethe financing difficulties of small and medium-sized enterprises. Surely, they arefacing credit risk, difficulties in collecting information, difficulties in credit ranges,difficulties to collateral difficulty and lack of effective incentive and restraintmechanism during its financial services. Therefore, this article mainly take a sampleof three city commercial banks located Taizhou, Zhejiang province, which makegood achievements in offering funds to small and medium-sized enterprise to make a study. Fromthe small and medium-sized enterprise internal problems, city commercial banks internalmechanism problem and how they going in the service of the financing of small and medium-sizedenterprises, how they exploration and what contribution they have made. To how they adhering toserve the small and medium-sized enterprise markets, innovative ways of security, effectivelyreduce the risk mechanism, innovation to meet market financial products such as strategy, based onthe not perfect market mechanism, how they could offer better financial service to small andmedium-sized enterprise and make further great attribution to help solve the problem..