Study On Bank Credit Management Of SMEs Based On Credit

Small and medium enterprises in the development process due to the country's overall financial mechanism, the policy effects will encounter problems or contradictions, its hard to solve. Among them, the problem of financing difficulties aroused people's attention all over the world. Small and medium-sized enterprise to sufficient financial funds is mainly because the way for financing is too small, they can only rely on commercial bank credit financing, equity financing in the standard is too high and too small number of internal financing situation, the bank credit is the basic form of small and medium enterprises financing in the existing bank dominated financial system under the. Therefore, the banking industry structure integration and change, to create credit guarantee system, bank credit rationing can directly impact the credit financing of small and medium enterprises. So, study on the unique perspective on the basis of bank credit management under the credit status of small and medium enterprises, to achieve a certain effect in the breadth and depth, the practical significance and theoretical value is very important.In this paper, starting from the basic management knowledge, to integrate theory with practice, and small and medium enterprises in the current credit situation of financial management and credit supply as a reference, investigation and access large number of SMEs, small and medium enterprises through credit supply in the current credit situation The situation was analyzed and described, in accordance with relevant theoretical research in this case, in order to identify the crux of the SME credit supply section that appears in the current credit situation. First, this paper outlines the background of SME credit bank credit management and research significance, explores the status of related research at home and abroad; secondly, based on the theoretical basis of the supply of credit business credit status quo, analyzes the meaning and characteristics of corporate credit, It explores the role of corporate credit, and the theoretical analysis of real commercial bank credit supply bills, credit rationing theory and loanable funds theory; and third, by lack of credit based on the Chinese enterprises to explore the current situation analysis of Chinese enterprises credit loss Reasons to analyze SME credit financing for SMEs lack of credit under the status quo; fourth, credit demand and credit supply financing for SMEs contradictory analysis, analysis for analysis and current situation of the bank credit supply in accordance with the financing needs of SMEs, Inquiry bank loans and small business financial performance decline shortages, in-depth analysis SME credit demand and credit supply financing contradiction; Finally, based on bank credit for SMEs to improve credit management measures, including the creation of SMEs financing platform for SMEs to build financing guarantee system, appropriate countermeasures to improve SME credit financing, and improve the supply of bank credit countermeasure, improve laws and regulations related aspects.