Study Of Sme Financing Difficulties And Countermeasures

SMEs are the key elements to promte the development of the market. Because of the large quantity and widely distributed all over the industry, the development of SMEs have respect to process of China’s economy. Funding is necessary element of enterprise development. The difficulties in financing has been accompanied by the development of SMEs, and become a hot topic recent years. The reason why SMEs are faced with these problem, on the one hand, from the small and medium-sized enterprises of our country does have many problem that nots allow to ignore, such as the lack of its own capital, low credit level, lack of sustainable development capacity, anti-risk ability is weak, development prospects uncertain, etc; on the other hand, China’s commercial banks’ credit policy for small and medium-sized enterprise also exist many problems, for example, tend to large enterprises and ignore the SMEs management malpractice, commercial bank organization structure leads to the credit policy conduction problem, the restraint of various policy, lack of SMEs credit product innovation, low efficiency, etc. Relevant policy have been inclined to small and medium-sized enterprises in our country, to take a variety of means to break the financing difficulties of them. But with the cyclical fluctuations of the market, the way break the bottleneck of the measures in the past, gradually exposed the risk, for instance Mutual guarantee, joint guarantee. So the SMEs financing difficult topic again to mention, a new solution is put forward. On the one hand, the small and medium-sized enterprises in our country has faced with financing difficulties; for commercial Banks and, on the other hand, with pressure of lending indicators and suffer from no suitable loan object. How to balance in these two aspects, the commercial Banks to small and medium-sized enterprises should adopt what kind of credit strategy, can not only meet the capital requirements of SMEs and ensure that the commercial Banks to control risks and obtain the appropriate income requirement, to find a way to solve small and medium-sized enterprises financial problem from the perspective of commercial bank credit policy, is an important research question in this article.In this paper, policy system is adopted combined with a practical case study method, through data collection, on-the-spot investigation, comparative analysis, empirical and normative analysis, qualitative quantitative analysis, the combination of theory with practice analysis the reason of commercial bank credit policy could cause the financing difficulties of small and medium-sized enterprises, and strive to find a solution. First of all, made a simple review of SME financing theory from China and abroad, the review to constitute a relatively complete theoretical basis, this paper elaborates the financing status of SMEs, trying to find out the cause of the SMEs financing difficulties in the commercial bank. Secondly, take company S to apply for a loan in the commercial bank for instance, by analysis of the process of commercial bank credit, find out the defects of commercial bank’s policy for SMEs, the contradiction between commercial bank policy and SMEs their own problems, and commercial banks defects in internal and external environment and policy restrictions, to find out the causes of financing difficulties of small and medium-sized enterprises. Finally combining with domestic and foreign advanced technology of credit and ideas, trying to find ways to solve the financing difficulties of small and medium-sized enterprises of commercial bank credit solutions, suggestions in banks, government and enterprises tripartite cooperation are put forward.