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Large banks open door to small enterprises

王总是一家小型贸易公司的老板，常年经营铁矿砂的进口业务，他向记者抱怨道，“每次进口大量铁矿砂，都必须把钱打到卖家账上才能拿货。因为贷不到款，资金紧张，业务规模一直做不大。”

A bank generally favors big affluent customers,but regards investing in small and medium enterprises (SMEs)as a dangerous road.Neither SMEs lack good project,nor do investors not have enough money.The fact is they don't have symmetrical information,just as if there is a high,intangible mountain standing between them.Those which have money cannot find a good project,while a good project cannot find money.This is a'lose-lose'situation.The financing predicament that SMEs face is a predicament confronting investors too. Investors need to change their intrinsic ideas.A bank's operational risk lies not in the size of its customers,but in its risk control philosophy.From this point of view,to develop SMEs-related businesses contributes more to risk control of banks instead. The Internet brought about game rules of the Long Tail,and the Internet itself can be regarded as formed by long tails.Can the Internet change the'lose-lose'game between investors and SMEs to a'win-win'one?The answer is'Yes'.The supply chain financing that Shenzhen Development Bank provides well achieves a'win-win'situation for SMEs and the bank;'china.alibaba.com'also capitalizes on its unique Internet platform to bridge SMEs and banks. Undoubtedly,large banks opening their door to SMEs brings about vitality to SMEs relatively short of money.How should operators of SMEs choose banking products that large banks provide?Here we make a carding of innovative products that large banks provide for SMEs,in expectation of helping those SMEs planning for financing.