The Organizational Innovation Of Commercial Banks To Support SME Financing

With China’s sustained and stable economic growth, SMEs as the main force driving economic development is a growing concern. SME financing issue has become the subject of research scholars from various countries focus.SME with its own unique technological innovation and greater assimilative capacity for employment, plays an important role in science and technology and economic development. However, SME’ s uncertainty innovative activities and asymmetric technology information features, makes traditional commercial banks and investors unwilling to provide financing services to SME. Financing constraints has been a major problem for SME s’ rapid development.With the objective trend of development of national strategic emerging industries and modern commercial bank diversification, commercial banks as an important force in SME financing support have begun to seek innovative organizational model. Tech banks have gradually grown up in China’s financial markets to provide professional services to SME financing. Therefore, the study of organizational innovation of commercial banks to support SME financing- technology banking model is particularly important.This paper analyzes the causes of the plight of China’s commercial banks support financing for SME, through the study of China’s commercial banks on SME organizational models and innovative ways to finance the bank’s technological innovation, study the advanced strategy of tech bank at home and abroad based on the innovative ways to provide financing support for SME, in-depth analysis about Ningbo Tech Bank. Results the importance of the tech bank to solve the SME financing, Papers from both theoretical and practical reasoning to solve the problem of SME financing the urgency and significance, propose the organization’s innovation strategy, research the tech bank mode, turned on the shackles of SME financing difficulties, hope for understanding and solving benefit of this issue.