The Research On The Construction And Application Of The Financing Mode Of Commercial Bank Service For Science And Technology Small Sized Enterprises

This paper first makes some sort of research on the research of small business financing,and then uses the basic theory of information economics to analyze the financing structure of small enterprises in China and the reasons of financing difficulties.Based on the practice of Jiangsu Province branch of science and technology for small and medium-sized enterprises,this paper puts forward the countermeasures and suggestions to solve the financing difficulties of small and medium-sized enterprises by means of comparative analysis and construction of new credit risk assessment model and large data.In the whole thesis,we mainly use the combination of theoretical analysis and comparative analysis to do qualitative research on the financing of small and medium-sized enterprises.The method of literature review,comparative analysis and case analysis is used to study the method.Based on the author's work,this paper expounds the current practice and problems of financing of small and medium-sized enterprises in China's banking industry.For how to alleviate this small business financing problem,this article will be from the perspective of small and medium-sized enterprises financing,put forward some suggestions.To adapt to the development trend of small and medium-sized science and technology enterprises,to grasp the opportunity to vote pilot linkage,the urgent need to overcome the bottleneck of the development of small bank financing enterprises to promote small and medium-sized enterprises to do business bigger and stronger.This paper proposes to optimize the service model of small and medium-sized enterprises according to three principles: First,the separation of marketing expansion functions and financial services functions to make full use of the network resources to explore the value of customers,improve the professional services of commercial banks;Process,set the credit approval "green channel" for the small business of science and technology business to relax,to product innovation and coordination mechanism of the rich industry's starting point;third is the credit business and non-credit business balance,and fully explore the profit contribution of small businesses.