城商行视角下的中小企业融资困境及破解商行-以江苏银行为例

城商行视角下的中小企业融资困境及破解--以江苏银行为例摘要改革开放以来，我国中小企业迅速发展，不仅推进了我国经济增长，很大程度上也降低了我国的失业率，增加了就业岗位，中小企业在我国经济结构中占据了重要地位，在促进经济发展的过程中发挥着至关重要的作用。但融资难一直是中小企业发展过程中使其备受困扰的问题。融资难问题实际上是一个世界性的难题，在当前经济形势动荡不安的情况下，我国城商行如何采取措施帮助中小企业渡过困境，在促使中小企业发展的同时壮大自己，是一个值得探讨的重要问题。 本文采用案例分析法，结合关系信贷理论、信息不对称理论和信贷配给理论，将城商行传统融资方式和融资方式扩展进行比较，并重点对当前城商行服务中小企业融资现状及中小企业融资特点进行概况，指出当前城商行为了破解中小企业融资难问题采取的融资方式及效果。在此基础上，以江苏银行作为案例进行研究，分析该行在破解中小企业融资难时出现的问题，进而指出城商行只有具备创新意识，并在采用现代化信息技术手段、定位中小企业融资需要的基础上，制定出符合中小企业特点的融资服务体系、创新产品和审批流程，才能够较好地满足不同中小企业融资的需要。关键词：中小企业，融资，城商行1AbstractRecent years, the development of Small and medium-sized enterprises (SMEs) has not only promoted China's economic growth, but also lowered China's unemployment rate and enhanced the level of creativity. Small and medium-sized enterprises (SMEs) are the foundation for mass innovation and mass entrepreneurship in China. They are also crucial parts of China's economic structure and have played an important role in promoting economic development. However, in the development of small and medium-sized enterprises, difficulty in financing has always been a problem. This issue exists not only in our country, but also in the whole world. It is a worldwide problem. After decades of development, there has been considerable number of commercial banks in China. And these banks, which cannot be ignored, have played an important role in China's fina...