Research Report On Financing Problems Of SME In Jiangbei District,Chongqing

Since China joined in World Trade Organization (WTO), the economics in China has been rapidly developed. The small and medium-sized enterprises (SMEs) play an extremely important role in this development, which have attracted more and more attention in a large number of developed countries. And it shows that a few large enterprises and a great quantity of SMEs could survive together in the same time. The SMEs are a major productive force in economy of our nations, which like the blood in our body. With the coming of information time, more and more high technologies are applied into our daily life. As we know most technical products are born in SMEs. So, how to improve the SMEs’financial environment has become an urgent problem.The Chinese Central People’s Government established a leading group in charge of "Develop-the-west Strategy", which was started from Chongqing city. The fast development of SMEs brings the rapid development in Chongqing economy, for example, offering more job opportunities, increasing fiscal revenue, promoting technical innovation, etc. At the same time, SMEs in Chongqing are also confronted with financing difficulties caused by the information asymmetry problem. This survey analyzed financing difficulties consisting in Chongqing’s SMEs and put forward some solutions in terms of commercial banks,In our report, we analyzed SMEs financing problems in Chongqing Jiangbei area by field research and interview in Sub-Branch of F bank. Our study shows that commercial banks act as an indirect financing organization offering funds to SMEs, and play a leading role in it. Meanwhile, there are some negative factors hindering banks from financing funds to SMEs successfully. Our research launched in F bank. Through our survey, we found that F bank was also faced with some typical problems which caused difficulties in financing funds to SMEs. We aim at raising some effective solutions in terms of F bank.This report comprises four parts. In Chapter one, we outline the current situation in financing environment, including financing channels and policy for SMEs. Then we put forward the purpose for our study. And we introduce our study pattern and study content in Chapter two. Chapter three is based on Chapter two, including analysis about loan products and loan process in F bank, financing problems which F bank faces. In the last Chapter we put forward four advices for F banks to solve the problems of SMEs financing.