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On the commercial banks to support the sustainability of the development of SMEs


Abstract: The development of SMEs in the economic and social progress of modern playing an increasingly important role in the development of commercial banks to support SMEs need to establish a new concept into the short-term credit support to enterprises focused on long-term sustainable growth of support for SMEs in the commercial banks and positive interaction, and achieving Keywords: commercial banks; SMEs; sustainability; support 1 support the concept of sustainability as defined ecology, applied to other disciplines in the twentieth century, made the eighties a new concept - sustainable development (sustainable development). In 1987 the World Commission on Environment and Development Sustainable development refers to both the means to meet the needs of modern people to meet demand without compromising the ability of future generations. In other words, refers to the economy, society,abercrombie pas cher, resources and environmental protection, coordinated development, they are an inseparable system, it is necessary to achieve the purpose of economic development, but also protect the natural resources of human beings and the environment. Although sustainable development originated in environmental issues, but as an important concept of development, it has long been beyond the purely environmental protection. Thus, the development of SMEs by commercial banks to provide support can be defined as the sustainability of the commercial banks to provide support for SMEs should not only consider the current needs of the development of SMEs, but also consider the needs of the future development of SMEs through the provision of financing and other services to help small and medium enterprises bigger and stronger, in the long term focus on business growth. The core concept is to correctly handle a good grasp of the support and development, efficiency and progress, the interests of long-term interests and short-term relationship,christian louboutin pas cher, the commercial banks to support SME development is always in the state of a virtuous circle. At present, China's commercial banks to support the sustainability of SMEs must be increased to achieve the total financing, structural optimization, excellent quality, always ensure the effectiveness of the financing process priority, operational standards and the basic objective of promoting innovation. 2 commercial banks to provide sustainable support for the development of SMEs need to of commercial banks, the SME financing support for SMEs with an important form of sustainable, commercial banks to expand space for development is a strategic choice. Specifically: (1) the next few years, our government in addressing the employment issues such as eliminating the income gap will become increasingly apparent responsibility for absorbing labor force, increase the income of urban residents have an important role of SMEs will be strong government support, grasp the small and medium enterprises, will hold the future of the Chinese economy most dynamic economic entities. (2) increasing competition among commercial banks, asset-liability ratio of the restriction, the increase in financing large enterprises, and large groups to improve the efficient use of corporate funds, commercial banks are bound to restrict the financing of large conglomerates, ability to effectively expand the SME credit market is the commercial bank credit market in the future maintain the competitive edge of the key. (3) SME financing is a commercial bank to spread the concentration of credit risk, maintain an appropriate means of the structure of assets and liabilities ratio,ralph lauren pas cher, and large enterprises, compared to working capital financing needs of SMEs mainly short term financing, an amount not large, can effectively improve the flow of bank credit assets, while, more than the number of SMEs, the industry widely distributed, can reduce the commercial banks to a single customer, industry, finance concentration, dispersion of credit risk. (4) As China continues to promote market-oriented interest rates, relatively low risk of commercial banks from the large, monopoly-type or cross-type high-quality corporate finance will be very limited gains, in order to effectively control the risk and get high returns characterized by the SME credit business commercial bank credit will no doubt become a major source of revenue. 3 commercial banks to provide sustainable support for the development of SMEs in the difficulties (1) commercial banks in the credit management of the implementation of in small and medium enterprises; in the credit rating company also adopted a standard, resulting in customer credit standards for small and medium enterprises can achieve very little; in the specific credit business operation, the credit review many links, chain long, complicated procedures, it is difficult to adapt and meet short-term loans to SMEs, needs urgent, the characteristics of a relatively small amount,abercrombie fitch paris, so difficult for SMEs to access to credit.



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