The Study On Joint-stock Bank Supporting To The SMEs Financing

Small and medium-size(SME) have leapt forward since we followed the policy of market economy, who plays an important role in solving the employment, contribution of tax, innovation of technological, the coordinated development of regional economy and the urbanization of new rural areas. However, because of the imperfection of market mechanism, poorness of social credit environment and financing restrictions of SME, the development of SMEs is hindered.From this year, our country has an appropriate and fine adjustment according to the present economic situation to increase the support for real economy. In the first half year, PMI of SME rebounded consecutively for four months. However, the power of promoting the rising of PMI is unbalanced. For example, the import index, employee index and other index remained located below the critical point, indicating that SMEs faced great pressure, especially the small business companies, whose employing index was only 48.3%, which was lower than the average level and in which sustained structural labor shortage still exists. Together with these financing difficulties, the present situation of financing in manufacturing small business environment is not optimistic.On the basis of these characteristics of small and medium-sized enterprises(SMEs), this paper first briefly discusses the reasons of financing restriction. Then, it will have a deep analysis of the concrete financing support from Shareholding commercial banks, for example the Shanghai Pudong Development bank in Zhengzhou. Both the qualitative methodology and quantitative methodology are applied. Furthermore, there will be two case studies about JZ and SX enterprises. As a result, the problem of how Zhengzhou Branch of Shanghai Pudong Development Bank offer JZ enterprises financial support will be discussed, and based on it we will find advantages, problems and future efforts of Zhengzhou Pudong Development Bank. Finally, new suggestions will be put forward to have a better support to SMEs from combination of the enterprises themselves, from the government and from the joint-stock commercial banks.