商业银行科技型中小企业信贷模式创新研究-工商管理专业论文.docx

万方数据 万方数据 Study on innovation mode of commercial bank credit to Small and medium-sized enterprises Abstract Small and medium-sized enterprises(SME) in China both in the promotion of the national economic and social development, or examine their supply chains to enhance the competitiveness effect economic context based on the industry chain, play a decisive role. Because of the financing gap problem, SME development is seriously restricted. At this stage, banks occupy the vast majority of Chinas financial resources, the main channel of bank credit financing is small and medium-sized enterprises obtain financial support. While the tech SME credit financing situation is more severe, lack of credit support small and medium-sized enterprise missed a good opportunity for development. Especially after the outbreak of financial crisis, due to lack of funds, the majority of small and medium-sized enterprises are facing financial difficulties, highlight the anti risk ability of poor problem, to solve the financing problem of small and medium-sized enterprises imminent. This article first to domestic and foreign relevant technology based SME credit financing of classical theories and research achievements are summarized and discussed. At present, the financing problem of SME to solve the research countermeasures mainly concentrated in vigorously develop small and medium-sized financial institutions and guarantee agencies, to provide relationship lending and to promote the marketization of interest rate. In fact, due to many restrictions on Chinas current economic development caused by the above methods, some short period of time to take effect, and some effects is very small, some little significance for promotion. The asymmetric information theory, the causes of the problem difficult to SME credit financing is analyzed, think that the root is that compared with large enterprises SME lack of credit financing necessary information advantage. To solve or alleviate the asymmetric