heilongjiang sme financing and analysis of the problems of financial institutions（黑龙江省中小企业融资金融机构和分析的问题）.docVIP

Heilongjiang SME financing and analysis of the problems of financial institutions Abstract: SMEs have become the backbone of the national economy and the main force of economic development, small and medium enterprises play in economic development increasingly significant role in Heilongjiang province, dominated by the large state-owned enterprises, heavy industrial pattern-based impact of SMEs has long not been given due attention and support, leading to its slow development, internal financing of SMEs seriously affected the ability of this analysis point of view of many small and medium enterprises in Heilongjiang face a series of problems. Keywords: SMEs, Heilongjiang, internal financing, financial and mechanisms China since reform and opening up three decades, SMEs have become the main force of economic development. On the present number of Chinese small and medium enterprises account for more than 99% of the total, the value created by the country’s total GDP, 60%, new jobs 78% of the country’s total import and export trade volume accounts for about 60% of the country, while Heilongjiang Province as the country’s important industrial base, and formed a large state-owned enterprises dominate the heavy-based industry structure. First, the main means of financing small and medium enterprises in Heilongjiang Province 1 to obtain bank loans of bank loans is still access to finance for SMEs in Heilongjiang Province, the most important channel for Industrial and Commercial Bank, led by the four state-owned commercial banks have set up small business loan department. Others such as Minsheng Bank, Everbright Bank, Merchants Bank and the city commercial banks are the leading banks to support SME development. Bank loans are credit loans, mortgage loans, secured loans, discount loans to four. (2) the use of credit guarantees for financing. Credit Guarantee is a cross between an intermediary between banks and enterprises services due to the invo