A newest findings report shows, current, front of our country bank faces transition, means of financing of client of large company group begins to change capital to the market, medium and small businesses becomes the client source that the commercial bank stabilizes continuously slowly. But because oneself of medium and small businesses believes diaphaneity of expenditure, information and devoid pawn,wait for a problem, obtain indirect financing to be put in certain difficulty as before from the bank.

This report develops a bank to wait to initiate hand-in-hand travel jointly by university of Hong Kong Chinese, Shenzhen investigation and study, basically be to be aimed at the medium and small businesses that already produced credit concern with financial orgnaization, the report returns a proposal, answer to improve the zoology environment of medium and small businesses continuously, accelerate an enterprise to do poineering work board development hopes the bank innovates somewhat from loan means.

Investigation spread out August from this year, studying way is the form that takes questionnaire investigation, the medium and small businesses that participates in this second questionnaire investigation shares 544, enclothe 17 cities such as Beijing, Shanghai, Tianjin.

The result shows, as the development of capital market, means of financing of client of large company group already changed capital to the market from bank financing gradually, medium and small businesses also is becoming the client source that the commercial bank stabilizes continuously gradually.

Although medium and small businesses already got the attention of the bank, the abidance of the bank serves and bearing of real progress demand compares medium and small businesses still lag. Among them, major fund still originates enterprise keep accrual.

Commercial bank, medium small bank, especially share-holding system commercial bank is favorred by medium and small businesses, supply financing of catenary finance, trade, borrow money to be held in both hands to heat without guaranty. But, medium and small businesses is lawful financing channel is onefold, bank to dividing other industry medium and small businesses still is confidence inadequacy beyond manufacturing industry. Although project prospect is good,these lack the medium and small businesses of pawn, but financing still difficult.

Report proposal, want to improve the zoology environment of medium and small businesses continuously. Policy of macroscopical adjusting control should consider the factor of medium and small businesses, offer direct financing opportunity for medium and small businesses.

The bank wants innovation banking service, because pawn of medium and small businesses is little, the bank must innovate from loan means. Finance of even normative folk, offer diversity for financing of medium and small businesses expedite channel

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