A Study On The Financial Support Of The Agricultural Bank To The County Small And Medium Sized Enterprises

With the reform and opening-up of our country further, small and medium-sized enterprises as the national economy the most active factor, with a very important role,2015 our country small and medium-sized enterprise has reached 42 million(including individual industrial and commercial households), accounting for more than 90% of the total number of enterprises, creating a the nearly 60% of the total economy, and small and Medium Industrial Enterprises above Designated Size of added value of an average annual growth rate of about 28%. Although the small and medium-sized enterprises to the development of the national economy is very important, but the development is difficult, difficult. Small and medium enterprises financing difficulties and financing your problem still can not be solved fundamentally, this is the primary factor restricting the development of small and medium enterprises. Indirect financing of bank is the small and medium-sized enterprises of our country the main exogenous financing channels, the large state-owned commercial banks, banking as the main body, in the financing of small and medium-sized enterprises is very important, of large state-owned commercial bank financing of small and medium enterprises support is of practical significance. And Agricultural Bank as one of the four state-owned banks, closely around for the strategic positioning of the "three rural", implement the strategy of national industrial structure adjustment, support the county transformation of traditional industries to upgrade and development of strategic emerging industries grow, small and medium-sized enterprises in county service as the focus, and actively support the development of the "three rural" and the county area, and achieved obvious economic and social benefits.On the basis of the review of the theory of financial support for small and medium enterprises, this paper studies the behavior of Shanghe branch of Agricultural Bank of China. Through the analysis of small and medium sized enterprises in Shanghe county funds demand and financing status, financing difficulties and various influence factors faced by small and medium enterprises; and then combined with the market of small and medium-sized enterprises in Shanghe county and the overall situation of Shanghe branch of Agricultural Bank of China SME business development, risk on the exploration of the specific financing difficulties of small and medium-sized enterprises in Shanghe county and Shanghe County branch of the Agricultural Bank in the face of local financial support for small and medium enterprises, and then refer to bank financing case of small and medium-sized enterprises at home and abroad successfully,and finally gives the choice and implementation of the target market to launch financial products, organization structure and personnel incentive and financial services such as marketing strategies for the development of the Agricultural Bank of Shanghe branch of the SME credit business, expand the implementation of small and medium sized enterprise credit business, promote the rapid development of the Agricultural Bank of Shanghe branch.