"Small business loans" "Wei enterprise loan" is China exist many enterprises, the small and medium-sized micro enterprises about 48000000, accounted for more than the number of 99.6% enterprises, only 10% of the small and medium-sized enterprises in the bank loan, that is to say, Chinese loan demand is huge, with China's open policy, loan market has entered a white hot the point.

The author from the credit market to understand, in 2012 July August September, banks have launched their own SME loan products, in this months such as: Beijing bank loan "short", Minsheng Bank "shangdaitong", China Merchants Bank, postal, peace, development and so on, a credit enterprise investment products such as treasure, news and easy loans, loans also as a continuous layer, from conventional mortgages to unsecured loans, and to help enterprises analyze repeated along the industrial chain, starting from a different point of view, the small and medium-sized enterprise loan has become the financial industry's target market, fierce competition, most around the north and first-tier cities.

Then, the loan market why so popular it, according to the analysis, one is the number Chinese SMEs accounted for the majority, on the other hand, bank loans difficult, third aspects of national policy not to relax, this is before the previous factors, is that banks will put most of the money to state-owned enterprises, small and medium enterprises only a few get loans, more small and medium-sized enterprises have to rush into danger, to some non-standard credit loans to enterprises, the result is bad, the reason is that interest rates are high, we often say that the loan sharking, underground behavior; now, the national policy releasing, loans difficult problem could be solved, the credit business growth to bring no small pressure to the banking industry, banks have to as soon as possible loan products, to small and medium-sized enterprises, from the advertising can see a bank to launch of new loan products, in order to solve the SME loan difficult problem.

Before the middle and small enterprises from bank loans loans to state-owned enterprises is most conservative line, small and medium-sized enterprise risk resistance is too low, with the change of policy and domestic environment, the bank also credit enterprise competition and cooperation, we all stared at the cake, begin to exert killer mace, launched Easy Access in small enterprises, set up a special loan department small and medium-sized enterprises, to take this piece of cake.

Banks not to say, they have their own roots and capital strength and brand value, say credit enterprise, how is the credit market conditions? According to the current market walking credit markets concluded, budding credit market very early in the morning, we heard before the usury, before they to mortgage is dominant, as between small and medium-sized enterprises and bank leverage, acquisition point from which, said the good point that intermediary, now they (credit enterprise) has been recognized by the state with the policy of the State Council,:: small and medium-sized enterprise development support nine financial policy (new country nine) issued, caused the inflection point of small and medium-sized enterprises, led to the credit enterprises such as bamboo shoots after a spring rain like high jump.

Credit companies want to establish the image and the value of their own from the chaotic market, first of all to get the small and medium-sized enterprise reputation recognized, why SMEs choose them, because of their low interest rates than banks, generally less than 2-3 point bank, can be reflected in the above services, now it has been layer continuously new loan products to suppress, the competition is very fierce, how to survive the credit enterprise? The author suggests, first set up the industry style, do a small and medium-sized enterprise trust credit units, from the server to provide services to small and medium enterprises, for example, to help the growth of small and medium enterprises to provide some additional services, such as accounting, auditing, printing, and other government relations, with customer trust promotion, gradually establish its own brand, the its products like banks forging their own brand image, set up the industry. Unsecured loan is why? Don't they have the threshold, NO they have, which some people are looking for good, the growth of SMEs, their location and different, like an unsecured loan company I interviewed from the enterprise in the chain to help the growth of small and medium enterprises, in a manner that is very good, can only say that for many small and medium enterprises thinking, market bright, finally, wish the bank, credit enterprises and small and medium-sized enterprises to work together toward a bright tomorrow.