Based On The Commercial Banks Of Small And Medium-sized Enterprise Financing Problems Research

Since reform and opening-up, experiencing a long time development, the small and medium-sized enterprises of our countries embrace an explosive increasing phenomenon. This increase plays an significant role in promoting economic growth, employment, technological innovation aspects, especially in the area of information and medicine industry. However, due to the influence of various factors, the financing problem has always been a difficulty in the development of small and medium-sized enterprises. It is significant to effectively resolve the small and medium-sized enterprise financing difficult problems and reduce the risk in the processof commercial Banks in financing for small and medium enterprises. it is not only beneficial to widen the service scope of commercial Banks and financial services of the decision-makinglevel, at the same time also can promote the healthy and sustainable development of small andmedium-sized enterprises.Based on the theoretical analysis on the basis of reading and literature, to create a newfirm in Nanchang County Farmers XX corporate loans, for example, according to the casedescription-Case Studies-Case revelation basic paradigm, the first of the new CountyFarmers firm, Nanchang XX company, the new county agricultural firms Nanchang XX loanprocess are described; then follow the New County Farmers firm for SMEs lendingrequirements were analyzed from four aspects Nanchang XX’s leadership qualities, financialcondition, credit status, prospects; final case draw inspiration and suggestions from theperspective of agricultural businesses.Conclusions of this study are: agricultural firms when lending to SMEs, in order toreduce credit risk, focusing on the four leadership qualities, the financial situation of SMEs,credit situation, development prospects. The SME agricultural businesses to be able to get aloan, a leader in quality is the primary condition, financial performance is the key, andreputation is an important factor to consider is the ultimate prospects. Therefore, onlycompanies and banks with a positive attitude, cooperative manner, in order to place the risk oflending to SMEs within a controllable range, in order to achieve a win-win situation.