Research On Micro,Small And Medium Enterprises Financing Problem On Liaoning LG Branch In A Stateowned Bank

In the twentyfirst century,China is reforming the financial markets and financial management system and achieved a good result.In the past,large enterprises is rely on bank loans,they start innovative financing and expand multichannel financing with the increasing of ability and size.With the development of Chinese economy,the reform of the banking financial institutions makes small microenterprise development has become a new growth point of economic development.Banks are competing to the new market in the increasingly competitive banking industry environment.The state has increased support for small and medium micro enterprises.At the present stage,SMEs play an important role for improving people's livelihood,economic development,employment environment,industrial structure adjustment and technological innovation.SMEs financing remains a difficult problem for China's development at present.Because SMEs can only rely on banks to obtain financial support,because its size is relatively low and management is not standardized.At the same time the contradiction between the banks and enterprises,for example growing stage,business risk,information opaque of SMEs and the risks and benefits is the key to banks,making the SMEs on the verge of bank credit.The current financial market is more incentives,loan interest rate is gradually marketed,and there are a large number of other types of financial institutions participate into market competition,banks urgently need to restructuring and development through the development of SME credit business,it is also an effective measures to enhance their competitiveness.In this development context,this paper points Liaoning LG behavior A study of stateowned banks,intends to commence an indepth study of its small and medium business development and credit issues.This paper systematically introduces and describes the theoretical basis for the development of SMEs and credit financing basis of relevant theories,and analyzes the current situation of business development A stateowned bank branch in Liaoning LG,problems and reasons,the final article draws foreign banks in the development of SMEs the successful experience of the credit business and made a series of improvement programs and measures: one is to strengthen the degree of attention to the small and mediumsized enterprise loan;two is to optimize the LG branch credit approval system and authority;three is the establishment of effective incentive mechanism and accountability system;four are small and micro enterprises need continue to strengthen its management ability;five is the LG branch to innovative way of credit financing,mortgage and improve the credit guarantee system;the six is to establish a mechanism to write off bad loans.