Research On Financing Loans Strategies Of City Commercial Bank Support SME Development

Small and medium-sized enterprises (SME) is the most active subject in the socialist market economy. SME has played a huge role, occupies very important position in national economy because of increasing employment and improving people’s livelihood and promoting innovation etc. But for a long time, SME loaning difficult problem has not been fundamentally solved, shortage of funds has become the important reason which restrict the development of the enterprise. In recent years, influenced by the global financial crisis and macro economic situation, many SME don’t have enough money to continuing operations because they can’t get financing support. Some SME collapsed, business owners "run".That phenomenon occurs frequently, and even individual companies involved in private lending, loan sharks and other legal cases.With China’s further speed up the marketization of interest rate process, large enterprises to take off the media more and more obvious. As local small and medium-sized Banks, city commercial bank is a smaller scale, and the strength is limited, compared with other large commercial Banks, there are still some shortcomings. City commercial Banks must foster strengths and circumvent weaknesses, return to their traditional strengths of SME, the basic financial services as the main focus on the direction, efforts to innovation and adapt to the needs of SME financial products, to create and services match the small and medium-sized enterprise organization structure, to increase support for small and medium-sized enterprise financing, city commercial bank’s purpose is to create a win-win situation and common development of SME.This paper from the small business financing and two major premise of the city commercial bank’s development, analysis and study the quality and achieve the win-win between the two strategies, aiming at the problems of small and medium-sized enterprise financing and the style of the city commercial bank itself, what strategies, in order to realize the utility maximization of SME and their own development.In this paper, according to the research background which leads to the problem, analyze problems, combining with the actual case studies, the research conclusion, the full text is divided into six parts, the first part is the research background and significance, the analysis of the research results of scholars both at home and abroad; The second part introduces financing present situation and existing problems of SME, analyzes the financing difficulties of small and medium-sized enterprises; The third part introduces analysis city commercial Banks supporting SME financing internal and external reasons, through the SWOT analysis the support for SME financing strategy mode; The fourth part detailed measures for city firm support for small and medium-sized enterprises; As a example,the fifth part analysis Huishang bank; The sixth part summarizes, puts forward the research conclusion.Research method of this paper:the paper review and collect the related literature and data at home and abroad first, the second this paper is through the investigation and study for the city commercial bank’s information, the third this paper is to compare the advantages and disadvantages between different Banks.