Alleviate the Financial Dilemma of Small and Medium-sized Enterprises System Design
|Keywords||Commercial Bank Small and Medium-sized Enterprise Financial Dilemma Risk Management System Design|
Facing severe challenge of economic environment, small and medium-sized enterprises need to set up correct tactics and seek the supports of not only government but also financial institutions. Due to the mergers and acquisitions in financial institutions and financial crisis in recent years, we have found that the law of the bigger the stronger and the stronger is getting strong is no longer appropriate for bank business, and SMEs have put more emphasis on cautiously selecting a correspondent credit bank. Therefore, it is necessary for financial staff to understand what factors that SMEs take in to consideration referring to credit purchase intention, so that financial staff can know how to find potential customers and maintain customer relationships in the future. This paper take medium and small-size companies as an example, and pay more attention on how to resolve the problem of hard finance of medium and small-size companies.The following is the conclusion.First, this paper introduces the background and the meaning, and gives relative literature review.Second, this paper introduces financial characteristic for the angle of medium and small-size companies, and analyzes the causes:(1) credit of medium and small-size companies is low, and commercial banks could not give them enough finance. (2) Information asymmetric makes the long distance between medium and small-size companies and commercial banks. (3) The bad credit guarantee. (4) The system of bank can not assistant the finance of medium and small-size companies. (5) The lag capital market.Third, this paper introduces the finance system of medium and small-size companies in Hong-Kong. We find the characteristic of finance system in Hong-Kong is as the following:(1) clear market segmentation; (2) efficient system of business division; (3) good credit ranking; (4) standard financial service.Forth, this paper gives some suggestion to change loan risk management of commercial bank from the angle of external and internal, such as, improving loan safe environment, internal controlling of loan asset.