Study About Loan Discrimination To SMES

SMEs are an important part of national economy, but also the force of technological innovation. The healthy development of non-state-owned high-tech SMEs and SME financing support is inseparable from commercial banks. Bank loans are the main financing channels of China’s enterprises, as China’s banking competition is not sufficient, resulting in the banking sector serious seller status, and because banks lack of incentives, coupled with central bank intervention in the management of such commercial bank loans in the selection priority will be given on the subject of state-owned enterprises, the formation of SME credit discrimination.Bank credit existence of discrimination against non-state-owned small and medium enterprises, high-tech SMEs is also due to the problem of financing its inherent characteristics. In this paper, the former small plates listed companies listed on audited financial data and related information, according to the impact model to build long and short term borrowings factors small plates listed companies, according to the "circumstances under different ownership and whether the high-tech qualified, fixed assets and bank correlation is significantly different from the loan, " the idea, to analyze the existence of bank loans to SMEs discrimination.Small plates listed state-owned enterprises, related fixed assets and long and short term borrowing was significantly lower than non-state-owned enterprises listed on the small board, to some extent, that banks for non-state-owned enterprises listed on the small plates relatively tight lending policies; for high-tech small plates listed companies, significant correlation in fixed assets and long and short term loans than non-high-tech small board listed companies, some indication of the bank for small plates listed high-tech enterprise lending policies compared to non-high-tech enterprises to be more cautious. Can improve the relationship between banks and SME lending discrimination.This study has some representation for SMEs. Government, especially high-tech SMEs should take appropriate measures to support the non-state-owned SMEs. If you want to ease the financing difficulties of the problems, to enhance the competitiveness of China’s financial industry, only there is a certain degree of competition between the banks, the banks have the power and the pressure to provide funding for SMEs.