The Present Analysis And Countermeasure Research On The Financing Support Of Small And Medium-sized Enterprises By Joint-stock Banks

With the development of market economy and constantly improve,middle and small-sized enterprises have become an important force in economic development in our country in the contribution rate of GDP,tax and absorb the employment quantity and so on.Bank financing is the main financing channels of middle and small-sized enterprises in our country,but because of the characteristics of middle and small-sized enterprises,and is affected by the economic downturn in recent years,the Banks have reduced in different degrees for middle and small-sized enterprises financing support.As an important part of our country's financial system,joint-stock bank for middle and small-sized enterprises financing has a very important role,therefore,This thesis combining with the current time background and the social reality,hoping to better play a role of joint-stock bank for middle and small-sized enterprises financing support.This article mainly to the joint-stock Banks as the research object,using the method of literature study,investigation and theoretical analysis,the joint-stock banks and middle and small-sized enterprises financing between strategy were discussed.Thesis mainly divided into six chapters,the first chapter mainly illustrates the research background and significance of this article,as well as research on the relevant literature to the domestic and foreign;The second chapter combed the financial innovation theory and information asymmetry theory knowledge,laid a theoretical basis for the problem analysis for the rest of the article;The third chapter mainly through financing background reason,scale and means describes the joint-stock Banks to middle and small-sized enterprises financing present situation and existing problems;The fourth chapter combines the advanced experience both domestic and foreign,and the joint-stock Banks are also analyzed from the point of view of the existence of middle and small-sized enterprises information communication,risk control,guarantee way,credit management and product innovation;The fifth chapter through the above analysis of existing problems,and combined with the current market environment,the reality of the situation and the development characteristic of middle and small-sized enterprises,puts forward the joint-stock Banks to carry out the countermeasures and suggestions of middle and small-sized enterprises financing.The sixth chapter summarizes and prospected the conclusions of this article.Research of this paper to other financial institutions to provide advice on how to support middle and small-sized enterprises financing.At the same time,on the premise of guarantee risk controllable,joint-stock Banks to provide financing to middle and small-sized enterprises to increase profits and enhance comprehensive benefits,the performance of the bank's social responsibility and obligation,and to solve the problem of financing difficulties of middle and small-sized enterprises to provide help.