Research On The Financing Strategy Optimization Of SMEs In Changchun City Bank Of Communications

The development of small and medium-sized enterprises has become one of important part of China economy. Premier Li also pointed out that SMEs has made great contribution on employment and industrial innovation. However, the development of enterprises also has difficult in financing, especially small and medium-sized enterprises. From the view of bank to analyze the reasons for, uneven conditions of small and medium-sized enterprises, long investment recovery period, the opaque accounting information, high rate of investment failure. Moreover, less enterprise mortgage real estate increase the risk of bad debts. What is more in the northeast of China where companies started late with weak foundation of its own funds and short capital accumulation time. Its development can not be separated from the support of the government and the bank’s financial support. Through the analysis of market conditions to realize the potential for the development of small and medium-sized enterprises,Changchun Bank of communications has increased financing support which is intended to help the development of the small and medium-sized enterprises in Changchun City and improve its service value.In recent years, Jilin Province branch of Bank of communications as one of the representative of the large state-owned commercial banks, works as a strategic business to increase the financing of small and medium enterprises business with degree of attention and the allocation of resources. It specially set up a small business finance department specializing in the business development of small and micro enterprises; Through various initiatives, Jilin Province branch of Bank of communications increased 1 time on credit balances in just 2 years and achieved excellent results. Until the end of January 2016, Jilin Province branch of the small business credit balance 1744. 77 billion, compared with the beginning of a net increase of 86. 17 billion. Bank will rely on the third party government platform, providing credit financing support to customers and aim at the small and medium-sized enterprise business expansion in the future.This article is intended to study the optimization of Changchun Bank of communications’ small and medium-sized enterprise financing strategy. It begins with the discussion of the Changchun Bank of communications’ small and medium-sized enterprisesituation and existing problems and then discusses the various elements of the bank financing strategy of small and medium-sized enterprises, finally based on the above discussion represents financing strategy of optimization research. The overall context as follows: the first part is the preface, introduces the research background, research significance, research contents and methods, which help readers made a preliminary understanding; the second part introduces the related theories of financing of small and medium sized enterprises, which are modern financing structure theory, the new theory of financing structure and small the enterprise financing theory, which laid the theoretical basis for this article; the third part discusses the analysis of SME financing in commercial banks and existing problems, analyze problems, to pave the way for solve the problem; the fourth part is the discussion on the optimization of Changchun elements one by one bank SME financing strategy, through one by one to discuss, summarize the corresponding optimization strategy; the last part is the optimization of small and medium sized enterprises financing strategy of Bank of communications of the Changchun city.