The Strategy Research Of Improving Smecredit Business At ADBC,Heilongjiang Branch

Thirty years of reform and opening up, small and medium enterprisesthrough its own continuous growth and development, the number of firmsalready account for99%of the total enterprises, China has become a major forcein the national economy. China is a large agricultural country, as an importantpart of small and medium agricultural SMEs in promoting China’s economicdevelopment, changing agricultural production patterns, and promotemodernization of agriculture, increase agricultural productivity, agriculturalindustrial structure, etc. have made great contributions. However, agriculture’scontribution of SMEs to the economic asymmetry is the financing of small andmedium agriculture has been plagued by its normal development. Relative toother industries, SMEs, agriculture more unfavorable situation of SMEs. Innateinferiority of agricultural, causing most of the small-scale agricultural SMEs,low management level, backward technology, poor credit qualification, leadingto difficult access to credit from the bank financial support, which seriouslyaffected their development.Agricultural Development Bank as the only an agricultural policy bank toserve the "three rural" for the purpose. Support agricultural development ofSMEs, as the bounden duty of the Agricultural Development Bank, AgriculturalDevelopment Bank is also deepening the reform and growing needs. Since thestart of the2004National Agricultural Development Bank approved theindustrialization of agriculture and food processing leading business loansbusiness loans since the credit business scope expanding AgriculturalDevelopment Bank, agricultural credit business of SMEs has become a newprofit growth point of the Agricultural Development Bank. However, theAgricultural Development Bank SME credit business development time is shorter,compared with commercial banks lack experience, there are many constraints thedevelopment of SME credit business factors affecting the rapid development ofSME credit business.This paper describes the research background and significance of the paperintroduces the theoretical research on SME financing and the financing of SMEsfrom the introduction of present situation of agriculture, agricultural financing needs of SMEs and the financial supply of the main motivations were analyzed.Then, Heilongjiang Province, introduced the Agricultural Development BankSME credit history and current status of business development and financingcapacity of small and medium enterprises from the agricultural credit system isnot strong and the mechanism is not perfect analysis of both the SME creditbusiness Heilongjiang Agricultural Development Bank of the problems. Finally,by summarizing the development of Temasek banks and bank lending to SMEsZhejiang successful experience and advanced business practices, by improvingthe Heilongjiang Provincial Agricultural Development Bank SME credit businesssymmetric and recommendations.