analysis of sme bank financing cost influencing factors（分析中小企业银行融资成本的影响因素）.docVIP

Analysis of SME Bank financing cost influencing factors [Abstract] Since the reform and opening up, China’s SMEs rapid rise has become a decisive force for growth in economic construction in our current financial environment, the bank is still the main way of external financing for SMEs, and thus, this article first analysis of the problems of financing, and then explore the influencing factors of bank financing difficulties of SMEs in China. [Keyword] SME bank financing, financing costs; influencing factors [Abstract] Since reform and opening up, China’s rapid emergence of small and medium enterprises, economic development has become a decisive force for growth. At present our country’s financial environment, banks are still the source of financing for SMEs outside the main way, which this article first analyzes the existence of the problem of financing, then our country into small and medium-sized bank financing difficult to factor. [Keywords] SMEs; bank financing; financing costs; influencing factors Foreword Financing costs other relevant consideration for the disbursement of funds, corporate finance, capital finance out party usage fees, intermediary fees paid to intermediaries, and generated. Under normal circumstances, in accordance with the order of the major sources of financing financing financing costs as follows: fiscal financing, commercial financing, internal financing, bank financing, bond financing, equity financing, bank financing is the most common form of financing enterprise with high reputation various financing directly to commercial banks, general corporate needs guarantees pledged to finance the property mortgage, bills, these are the easy to do, enterprise popular form of financing, but due to the market operation rules, small and medium-sized the innate inferiority and the operating characteristics of the financial sector, resulting in SME financing difficulties. Financing of SMEs exist In general, corporate fund