Zhejiang SMEs Business Operation and Financing Difficulties Analysis and the Bank's Coping Strategy

摘要

In this study, we have a research of the Zhejiang SMEs business operation and financing difficulties analysis and the bank's coping strategy. Since the beginning of 2011, Zhejiang SMEs have fallen into business difficulties under heavy pressure from "3-shortage and 2-high", namely, shortage of money, shortage of electricity and shortage of labor and high cost and high taxes. This even leads to the "tide of enterprise collapse". In such a dilemma, problems of financial shortage and financing difficulties of SMEs are quite prominent. Besides, main financing channel of Zhejiang SMEs is the private credit market while loans from banks accounting only a minor proportion. Thus, enterprises have relatively vulnerable capital chain and large capital liquidity risk. Banks shall actively deal with this problem, pay much attention and strengthen risk management, strengthen asset preservation and effectively improve the risk management level of banks.