China has attained an extraordinary economic development, and the country’s economic growth rate has already improved on that of France and is all set to go beyond Japan almost immediately. Moreover, it is forecasted that this growth will even catch up to the US in coming years. Behind this, however, banks’ bad loan problems have been deepening and a stock market slump has become apparent lately. SME sector plays a decisive role in the growth of Chinese economy contributing 35 percent , but the growth of the economy may be blocked if financing and credit system for the SME sector is not made smooth, given the fact that SMEs access to financing accounted for just 6 percent of the total. The fundamental problem is that there are flaws both in the SMEs management and financial system. Therefore, this study explores and analyse the problems which SMEs in China are faced with in terms of financing, particularly in relation to loans from banks.
1.1 Aim and Objectives of the Study
This study aims to explore and analyze the problem of financing SMEs in China by local commercial banks and foreign banks’ role in financing SMEs in the country. The study aims to achieve following objectives:
• To explore and analyse the structure and access of financing SMEs in China
• To explore and analyse the problems of financing SMEs in China
中国已经达到一个非凡的经济发展，该国的经济增长速度已经大大改善，法国是所有设置几乎立刻超越日本。此外，据预测，这一增长甚至会赶上美国在未来几年。然而，在这背后，银行的不良贷款问题已深化和最近股市暴跌已成为明显。中小企业部门起着决定性的作用，中国经济的增长贡献了35％，但经济增长可能会被封锁，如果中小企业部门的融资和信用体系不顺利，鉴于中小企业获得融资仅占总数的6％。最根本的问题是，有中小企业管理和财务制度的缺陷。因此，本研究探讨和分析问题，面临着中国中小企业在融资方面，特别是在涉及到银行贷款。
1.1研究的目的及目标
本研究旨在探讨和分析中国中小企业的融资问题，地方商业银行和外资银行在全国中小企业融资的作用。本研究旨在实现以下目标：
•为了探讨和分析我国中小企业融资结构和访问
•要探讨和分析我国中小企业融资难的问题
