A Research Based On The Perspective Of State-owned Bank About Small And Medium -Sized Enterprise Financing Problem

With the constant improvement of China’s market economy system,the enterprise as the main body of market economy,making great contribution to the development of the national economy.Small and medium-sized enterprise is definitely one of the most active economic elements,and they have become the important force of China’s economic growth.Despite the government payed high attention to the Small and medium-sized enterprise and introduced a series of policies and regulations to support their development and encouraged commercial banks to provide necessary financing support for them,but from the point of the present state of development of small and medium-sized enterprise,financing difficulty is still the important reason for restricting the development of small and medium-sized enterprise rapidly.Bank indirect financing is the main exogenous financing channels,the bank is the provider of funds,meanwhile,the stated-owned bank is the main body of Chinese banking,which is crucial for financing of small and medium-sized enterprise.Due to the lack of the concept,the credit policy,the business process and the credit technology,the state-owned bank can not fully meet the financing needs of small and medium-sized enterprise.Therefore,strengthening the credit support for small and medium-sized enterprise and improving the financial services of small and medium-sized enterprise can not only promote the development of small and medium-sized enterprise,but also can expand the banking business channels and improve the profitability.This is the inevitable choice for the development of state-owned bank.In this paper,the author puts forward that the state-owned bank should further deepen it’s understanding,change it’s thinking,and re-examine the development strategy of SMEs’ financing services.From a strategic point of view,state-owned bank should conduct customer targeting,search,foster and support high-quality small and medium enterprise,establish effective long-term relationship between banks and enterprises.This article embarks from the small and medium-sized enterprise financing and the state-owned bank development two big premise.First of all,according to the research background,leading to the problem of financing difficulties of small and medium-sized enterprise from the perspective of state-owned bank,and then analyzing three aspects of problem from the financing status of state-owned bank for small and medium-sizedenterprise financing theory,state-owned bank for small and medium-sized enterprise and the actual case of the agricultural bank of China,finally to draw conclusions and suggestions for improvement.This paper focuses on the financial system in our country dominant state-owned bank how to through the financial product innovation and service innovation to solve the problem of small and medium-sized enterprise financing,and achieve a win-win situation.In this paper,through a large amount of data collected,put theory into practice,in the form of combining qualitative analysis with quantitative analysis,and combining with actual case analysis,analyzing the current situation of small and medium-sized enterprise financing,and the state-owned banks to small and medium-sized enterprise financing constraint.Through the analysis of the feasibility and financing efficiency of state-owned bank financing for small and medium-sized enterprise,this paper confirms the significance of state-owned bank in developing small and medium-sized enterprise financing business.At last,in view of the state-owned bank in providing small and medium-sized enterprise financing problems and obstacles,putting forward to perfect the state-owned bank financial support for small and medium-sized enterprise strategy and suggestion.To hope that state-owned bank in the development at the same time,to help small and medium-sized enterprise to clear the financing channels,and mutual benefit with small and medium enterprise.In this paper,the support to the development of our country small and medium-sized enterprise and state-owned bank on both sides has certain theoretical and practical significance.