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2013 (Vol. 5, Issue: 18)
Article Information:

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

Xuwei Chen
Corresponding Author:  Xuwei Chen 

Key words:  Banks, coping strategies, difficulty, SMEs, , ,
Vol. 5 , (18): 4449-4452
Submitted Accepted Published
July 27, 2012 September 24, 2012 May 05, 2013

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.
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  Cite this Reference:
Xuwei Chen, 2013. Zhejiang SMEs Business Operation and Financing Difficulties Analysis and the Bank’s Coping Strategy.  Research Journal of Applied Sciences, Engineering and Technology, 5(18): 4449-4452.
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ISSN (Online):  2040-7467
ISSN (Print):   2040-7459
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