Research On Financing Business Of Private Small Medium Enterprises Model In SM Bank

In the past 40 years since the reform and opening up,the government has continuously increased its support for the development of the private economy and the growth of private enterprises.However,private enterprises,especially small and medium-sized enterprises,have difficulties in financing and the problem of expensive financing troubles the development of the private economy.In recent years,China has introduced various policies to provide funds for private SMEs and reduce the cost of financing.Among them,bank loan is the main financing channel for private SMEs.Commercial banks are also trying various ways to provide diversified financial services for private SMEs to solve financing problems.It is of theoretical value and practical significance to study the financial services of SM Bank to private small and medium-sized enterprises.The whole thesis is divided into four parts.The first part is the combing out the policies of the state to solve the financing problems of private enterprises since the reform and opening up,and the analysis of the current financing status of private small and medium-sized enterprises.The second part is from the supply level and the demand level of financing to analyze the financing difficulties of private SMEs;The third part is to the commercial banks and SM banking services private small and medium-sized enterprises to summarize the model and practices;The fourth part is based on the above research and analysis,it is proposed that SM Bank should use its own advantages to develop network financing products and enhance internal and external cooperation to achieve the purpose of improving the financing business of private SMEs.This paper aims to provide reference for SM Bank to achieve the strategic goal of "Bank of private enterprises" through the study of SM Bank's financial services in private SMEs.