Research On The Current Situation Problems And Countermeasures Of The Credit Financing Of SMEs

The gist of this paper lies in the exploration of main problems reflected in Credit Financing of SMEs and putting forward effective solutions by understanding the current situation and problems of Credit Financing of H Bank,Beijing Branch,Century Town Sub-Branch.Based on the analysis of the questionnaire and interview data of credit customers of SMEs in H Bank,Beijing Branch,Century Town Sub-Branch,the following conclusions can be drawn:The main reasons for the shortage of capital flow of SMEs are the poor management of bussiness,the increase of labor cost and raw material price,the increase of product cost and the reduction of product profit caused by the increase of market price,and the difficulty of external financing;Self financing and bank credit are the main financing channels for SMEs customers;The main types of loan are credit loan,mortgage and pledge loan;Most enterprises think it's difficult to get loans from banks,but they can fight for them.In this study,it can be found that the problems existing in Credit Financing of SMEs can be mainly summed up in the following categories:High bank credit rating,Cumbersome loan procedures,high loan interest rates,the scale of bank loan and the limit of approval authority;few types of credit products;poor services of banks and guarantee institutions,etc.On the whole,the threshold for banks to set up credit for SMEs is relatively high,and the cost of loans is on the high side.This study will also combine the above problems from three different angles of enterprise,bank and government to put forward effective and implementable suggestions and countermeasures.