The Impact Of Bank-Enterprise Relationship On SME Financing

For a long time,the issue of SME financing development has been a hot topic in recent years.As small and medium-sized enterprises are relatively small scale,can provide more than the characteristics of the assets of the mortgage,the general need for external financing support.And foreign financing in many small and medium enterprises will choose to apply for loans to the bank,but small and medium enterprises to apply for loans to banks are often faced with a relatively high threshold.Compared with large enterprises and state-owned enterprises,small and medium enterprises may exist incomplete information disclosure,banks and enterprises between banks is generally in a more active position.The bank will set a higher loan conditions for SMEs to control the risk of loan funds,but this has virtually increased the financing costs of SMEs,but also not conducive to access to corporate credit funds.At present,many domestic and foreign research found that for the financing of small and medium enterprises,and banks to establish a good relationship between banks and enterprises is conducive to improving the success of corporate loans and the amount of loans,to promote corporate loans has a very good effect.This paper mainly finds out the bank loan data related to small and medium-sized listed companies in small and medium-sized listed companies in East China in 2014,and analyzes the impact of the relationship between banks and enterprises on the loan rate of SMEs and the degree of influence.Specifically,this paper through the relationship between the number of bank-enterprise relations,the length of the relationship between the establishment of bank-enterprise relations and the depth of the relationship between banks and enterprises to measure the three aspects of small and medium enterprises and banks bank-enterprise relations,which come to these three factors On the impact of corporate finance loans.In order to answer the above questions,I use the multiple linear regression model to carry out empirical and quantitative analysis of the data obtained from various statistics,from the impact of small and medium enterprises to reflect the relationship between the bank and several aspects of in-depth analysis,and finally based on the results of the analysis Corresponding comments and suggestions.According to the results of the study,we can see that the three factors influencing the relationship between banks and enterprises,the length of the relationship between banks and enterprises,and the depth of the relationship between banks and enterprises are positively related to the bank loan ratio.And the three explanatory variables passed the t test,indicating that the results are acceptable.But need to point out that the relationship between the number of banks and enterprises and the depth of the relationship between the depth of the relationship can be too much to establish the relationship between the number of banks for corporate finance may be detrimental,and should also be alert due to corporate executives have bank experience and " Relationship loan ".Finally,according to the conclusion of empirical analysis,it is put forward that small and medium-sized enterprises should maintain long-term stable credit business relationship with many banks,absorb high-level talents with banking experience and background,establish cooperative relationship with many banks,improve their owncompetitiveness,Image of these four suggestions.