Study On Innovation Mode Of Commercial Bank Credit To Small And Medium-sized Enterprises

Small and medium-sized enterprises(SME) in China both in the promotion of thenational economic and social development, or examine their supply chains to enhancethe competitiveness effect economic context based on the industry chain, play adecisive role. Because of the "financing gap" problem, SME development is seriouslyrestricted. At this stage, banks occupy the vast majority of China’s financial resources,the main channel of bank credit financing is small and medium-sized enterprisesobtain financial support. While the tech SME credit financing situation is more severe,lack of credit support small and medium-sized enterprise missed a good opportunityfor development. Especially after the outbreak of financial crisis, due to lack of funds,the majority of small and medium-sized enterprises are facing financial difficulties,highlight the anti risk ability of poor problem, to solve the financing problem of smalland medium-sized enterprises imminent.This article first to domestic and foreign relevant technology based SME creditfinancing of classical theories and research achievements are summarized anddiscussed. At present, the financing problem of SME to solve the researchcountermeasures mainly concentrated in vigorously develop small and medium-sizedfinancial institutions and guarantee agencies, to provide relationship lending and topromote the marketization of interest rate. In fact, due to many restrictions on China’scurrent economic development caused by the above methods, some short period oftime to take effect, and some effects is very small, some little significance forpromotion. The asymmetric information theory, the causes of the problem difficult toSME credit financing is analyzed, think that the root is that compared with largeenterprises SME lack of credit financing necessary information advantage. To solve oralleviate the asymmetric information between banks and enterprises, reduce thetransaction cost is the key to solve the SME financing difficulties. In the present stageof our country under the objective conditions, the commercial bank credit productinnovation is the effective way to solve the financing problem of small andmedium-sized enterprises.Based on solving the cause of causes of technology-based SME credit financing, based on the innovation of credit concept, combining the characteristics of SME"financing, combined with the case put forward" bridge and tunnel mode oftechnology-based SME innovation business, the business evaluation system, operationflow and risk management of innovation, in order to provide effective way to thefinancing problem of small and medium-sized enterprises.