China’scommercialbanksfinancingSMEsAnalysisAbstract:Atpresent,China’sSMEshavefacedfinancingdifficulties.ThispaperaimstoanalyzethecausefinancingdifficultiesofSMEsinChina,basedonanumberofreasons,putforwardChina’scommercialbankstoimproveSMEfinancingbusinessproposalsandstrategies.Keywords:SMEs,commercialbanks,financeFirst,thefinancingsituationofSMEsinChinaChina’seconomicdevelopmentinSMEsintheprocessplaysanincreasinglyimportantpositioninGermany,saidthecountry’ssmallandmediumenterprises“importanteconomicpillar”andinJapanthat“thereisnodevelopmentofSMEsnotJapan’sprosperity,”theU.SernmenttheSMEcalled“thebackboneoftheU.S.economy.”However,inourcountry,SMEsaccesstofinancialresourcesanditseconomicandsocialdevelopmentinthepositionoftheeffectisdisproportionatetothe,theproblemoffinancinghasbecomeaconstraintTheprimarybottleneckinthedevelopmentofSMEsinChina.Currently,thefinancingsituationofSMEsinChinacanexplorethefollowingareas:---本文于网络，仅供参考，勿照抄，如有侵权请联系删除---(AnarrowchanneloffinancingforSMEsduetothehighthresholdsecurities,venturecapitalsystemisnotperfect,andcorporatebondsissuedbythebarrierstoentry,themajorityofSMEs,toraisepublicfundsthroughthecapitalmarketduetoChina’sventurecapitalsystemisnotperfect,thelackofcompletelegalprotectionsystemandpolicysupportsystem,willleadtothewithdrawalofventurecapital,therefore,itisdifficultforSMEstofinancethroughequity.(Twolessaccesstocreditsupport.Forloansbecauseofhighertransactionandmonitoringcosts,commercialbanksarereluctanttolendtoSMEs,whilesmallandmediumenterprisesbecauseofthelowercreditrating,lackofcollateral,thehigherfinancingcostsandotherreasons,itisdifficulttogetbankfunding.(Threelargeproportionofcurrentliabilities,asmallerproportionoflong-termliabilities.Themainreasonforthisphenomenonisusuallyonlycommercialbankstoprovideshort-termloanstoSMEs,withlittlelong-termloans.(DamongSMEsinChinaguaranteesforloans.Onceacom---本文于网络，仅供参考，勿照抄，如有侵权请联系删除---panyhassufferedlossesduetopoormanagement,itwilltriggeraseriesofchainreactionsandifneededshort-termfunds,theSMElendingbetweeneachother,orthroughinternalfinancingthemeans.(FiveofChina’sSMEsgenerallylacktheirownfunds.China’snon-publicenterprisesfromsmalltolarge,fromweaktostrong,businessdevelopmentmainlyrelyingonitsownaccumulation,thesourceoffinancing,whichgreatlyhamperedtheirrapiddevelopment.Second,thefinancingdifficultiesofSMEsinChinaCreditAnalysisFinancingdifficultiesofSMEsinChinacausedbyreasonsofbothinformationasymmetryandeconomiesofscalearenotgeneral,butalsotheirrationalstructureofthespecialnatureofthebankingsystem.(Aninformationasymmetry.ThemainreasonforSMEfinancingdifficultiescausedbyasymmetricinformation.Relativetolargeenterprises,SMEsinChinawidespreadfinancialsystems,financialstatements,thela---本文于网络，仅供参考，勿照抄，如有侵权请联系删除---ckofauthenticityandotherissues.Bankbyvirtueoftheanalysisisdifficulttojudge,tomakeascientificdecision-making.(BloanstoSMEsspecificity.SMEs,duetoitsownbusinessreasons,thewidespreaddemandforbankloans,“asmall,urgent,frequent”feature.“Small”referstotheabsolutenumberofeachsmallloandemand,“radical”referstothetime-sensitivecapitalrequirements,“frequency”referstotherelativelyshortperiodoftime,thenumberoffrequentdemandforfunds,accordingtoPeople’sBankofChinast...