外资银行在华南地区中小企业融资策略的研究.docx

华中科技大学硕士学位论文AbstractSmall and medium-sized enterprises (SMEs) are an integral part of the nationaleconomy. The SMEs have the special function and role which cannot be replaced by largeenterprises. However, because of its small scale and the higher operating risks, it’sdifficult for SMEs to get financing to support their development. The SMEs becamedifficult to finance from the bank, which can affect the SMEs’ survival and development.In order to analyze this issue effectively, the article clarified the financing theoryprogressively, which financing is not only the SMEs internal activities, but also amulti-party related to demand and supply of finance. Secondly, In order to illustrate thecurrent status of SME financing, the article list up relevant data, charts of south china, andthen indicated that although the SMEs developed rapidly, but the SME financing policysupport, financial support services are quite behind. Thence, there are many reasons thatcaused the financing difficulties, including the SMEs’ own reasons and Chinas existingfinancial system, financial mechanisms flawed. Finally, the article states that thegovernment need to guide commercial banks to increase financial support to SMEs, aswell as set up withdrawal system for the joint ventures, improve the functions of socialfinancial system. Those measures can improve the SMEs financing more effectivelyPresently, there is only little study of the foreign bank’s SMEs financing strategies inchina. The article attempts to study the foreign bank’s SMEs financing strategies in southchina, and then try to find out feasible path of foreign bank’s to finance the SMEs in southchina. The paper selected Wing Hang Bank (China) Co., Ltd. as a research objective, andthen studied its specific characteristics of financing strategy in south china; finally try tofind out feasible path for foreign bank to finance the local SMEs. The article also analyzedthe feasibility of financing strategy and proposed some improvement measu