Research On The Impact Of Rural Banks On Financing Of Small And Medium-sized Enterprises

With the rapid development of China's economy,small and medium-sized enterprises have become the main business groups to stimulate economic growth,increase national tax revenue,promote independent innovation and increase urban employment.However,the vigorous development of small and medium-sized enterprises and the narrow financing channels have formed a sharp contrast,the financing problem has become a bottleneck restricting the development of smes.With the adjustment of China's industrial structure and the development of county economy,the new rural financial institutions have become more and more concerned by the financial needs of the people.Among them,the typical rural banks as a new type of rural financial institutions,the establishment and development of effectively improve the financial support of small and medium-sized enterprises are facing long-term local shortages,provides a feasible way for the financing of small and medium-sized enterprises.This paper adopts the method of combining normative research and empirical research.In the normative part of the study,reviews the relevant literature on the financing of small and medium-sized enterprises and rural banks at home and abroad,from the research results of scholars at home and abroad,the related research content reviews the financing of small and medium-sized enterprises and rural bank loans.Secondly,the related concepts of rural banks and small and medium-sized enterprises and features are described,and emphatically from the SMEs themselves,banks and government three aspects analyzes the causes of the financing difficulties of small and medium-sized enterprises,to provide a basis for qualitative analysis of force of rural banks to the small and medium-sized enterprise financing advantage.Again,combined with the development of rural banks,and around the advantages of small and medium-sized enterprise financing where the relationship between loans,from a theoretical perspective to explore the role of small and medium enterprises in the financing of small and medium enterprises.In the part of empirical research,the front section of the base of the theoretical analysis,empirical research on the influence of rural bank financing for small and medium-sized enterprises,puts forward four basic hypotheses,and through the questionnaire to collect data,followed by descriptive statistics,correlation test and multiple regression analysis,find out the main influencing factors of rural bank financing for small and medium-sized enterprises,and verify the hypothesis.Finally,draw the conclusion,summarize the problems,and put forward relevant proposals from the perspective of small and medium-sized enterprises themselves and rural banks to promote the healthy development of rural banks and small and medium-sized enterprises.