Countermeasure Research On Credit Difficulty Of Small And Medium-sized Enterprises In Shenyang ZX Bank

In recent 10 years, China has provided a series of policy and system to support the development of small and medium-sized enterprises, but in general, we have gotten little effect. The healthy development on the small and medium-sized enterprises in China still can't depart from the support of capital market, and then a lot of "criticism" on China's economic and social existence and unbalanced development factors contributed to exist to a certain extent. The traditional large commercial banks in China still provide a larger proportion of loans for large enterprises to provide financing, and overlooked the credit products for small and medium-sized enterprise development to a large extent.Through the collection of visiting investigation and interviews with ZX bank Shenyang branch, head of credit business and financial statement analysis in nearly three years, points out the ZX bank Shenyang branch of the main problems of small and medium-sized enterprise credit:the relatively low proportion of small and medium-sized enterprise credit, lack of small and medium-sized enterprise credit business innovation and overall low level of financial service to small and medium enterprises, etc.; Analysis the profound reasons behind the problems:small and medium-sized enterprise internal management factors, and the Angle of commercial bank management fewer government support for small and medium-sized enterprise financing and other factors.In this paper, countermeasures and measures will be conducive to ZX bank Shenyang branch to improve small and medium-sized enterprise credit business target. This article mainly aims at the above problems puts forward the corresponding improvement countermeasures, which mainly includes the optimization of ZX bank to improve the efficiency of the examination and approval of collateral, and the government should support small and medium-sized enterprises, etc. At last, summarizes research and come up with some ideas for future research.