文档介绍：: .
  : Tational economic growth, alleviating employment
pressure, adjusting and optimizing economic structure, increasing financial income.
But at present, there are many contradictions and problems in the development of
small and medium enterprises because of the system and policy, which is one of the
main problems which restrict the development of small and medium-sized enterprises.
To solve this problem needs to improve the management system of small and
medium-sized enterprises and national policy support, in order to promote the
development of small and medium enterprises.
To promote the development of small and medium enterprises is an important
link in the transmission chain of monetary policy, which is closely related to the
monetary policy objective of the central bank. In recent years, in order to support the
development of small and medium enterprises, the people's Bank has taken somespecific measures, and has received some results. As of the end of 2003 6, the balance
of small and medium enterprises loans of yuan, accounting for % of all
corporate loans, an increase of percentage points. Small and medium enterprises
new loans 655800000000 yuan, accounting for % of all new loans, compared
with the same period of large enterprises new loans accounted for percentage
points higher than. Despite these measures, the current small and medium enterprises
are still reflected in bank loans difficult, why? It should be said that small and
medium enterprises financing difficulties is not a problem now, it is not unique to
china. According to modern financial theory, the biggest characteristic of small and
medium enterprise financing is "information asymmetry", which brings the "adverse
selection" and "moral hazard" of the credit market. Commercial banks must
strengthen the supervision and