An Empirical Research On The Financial Symbiosis Relationship Between Commercial Banks And Minor Enterprise

As the China’s economic structure upgrading, small and medium-sized enterprises,which has played a more and more essential part in the economy, not only create lots of jobs, but also promote technological innovation. However, the problem of financing hinder its long-term development. Based on the reality, the improvement of SME financing situation in recent years become a hot spot of management layer, the academic discussion.Financial Symbiosis Theory is a successful transplantation from microbiology to economics, used to study economic participation relationship between groups, namely the financial symbiotic relationship. If the bank is divided into large banks and small and medium-sized banks on the base of asset, different types of banks due to the difference of its capital strength, strategic orientation and other aspects, the symbiotic relationship with minor enterprises may have certain difference. Based on the Financial Symbiosis Theory, studying financial symbiotic relationship between different types commercial banks and minor enterprises, will not only have a new understanding of minor enterprise financing difficult problem, but also have important theoretical and practical significance on guiding commercial banks to increase efforts to support small and medium enterprises.This study is divided into six chapters. The first chapter is the research background and significance, research ideas and methods, and research for SMEs credit rationing of commercial banks, the relationship of symbiosis of financial institutions and the real economy are summarized. The second chapter summarizes the theory and credit rationing theory and Financial Symbiosis, establishes the theoretical foundation for follow-up study.The third chapter based on Financial Symbiosis Theory, according to the size of bank assets of commercial banks will be divided into large commercial banks and small and medium-sized commercial banks, the organization mode and behavior mode of Financial Symbiosis of different types of commercial banks and small and medium sized enterprises are analyzed in theory. The fourth chapter illustrates the problem index method, the empirical selection, sample selection, data source. The fifth chapter first has carried on the related test of the data, and then through the regression method to get the financial symbiotic degree and symbiosis coefficient. The sixth chapter draws the conclusion according to the empirical results, obtained:(1) whether it is large or small and medium-sized banks, bank credit expansion, is always larger than that for small and medium-sized enterprises to promote the role of large enterprises. (2) Promoting effect of minor enterprises for small and medium-sized commercial banks is larger than that of small and medium-sized commercial banks for minor enterprises. Finally, proposes on how to strengthen the support of the credit of small and medium-sized enterprises is put forward.