| ACKNOWLEDGEMENTS | 第4-5页 |
| ABSTRACT | 第5页 |
| 摘要 | 第6-7页 |
| LIST OF ABBREVIATIONS | 第7-18页 |
| 1. INTRODUCTION | 第18-21页 |
| 1.1 Research Background | 第18-19页 |
| 1.2 Significance of the Thesis | 第19页 |
| 1.3 Research Method and Approach | 第19页 |
| 1.4 Framework | 第19-21页 |
| 2. Literature Review | 第21-24页 |
| 2.1 Concept of SME Financing | 第21页 |
| 2.1.1 Concerns with the SME Financing Issues in Foreign Bank | 第21页 |
| 2.2 About Foreign Banks in China | 第21-22页 |
| 2.3 About Small-Medium Enterprises in China | 第22-23页 |
| 2.4 Summary of Relevant Theories | 第23-24页 |
| 2.4.1 SWOT Analysis Theory | 第23-24页 |
| 3. Case Description | 第24-30页 |
| 3.1 Introduction to H Bank (China) Corporate | 第24-25页 |
| 3.1.1 H Bank’s in China fails to gain extra traction | 第25页 |
| 3.1.2 Equity Investment of H Bank in China | 第25页 |
| 3.2 Introduction of SME Financing in China | 第25-27页 |
| 3.2.1 SME Financing Status | 第26-27页 |
| 3.3 Introduction of SMEs Financing Difficulties | 第27-28页 |
| 3.3.1 Self Reason of SMEs | 第27页 |
| 3.3.2 Indirect financing is still the main way of financing for SMEs | 第27页 |
| 3.3.3 Less non-current asset loans for SMEs, and shorten period of workingcapital loans | 第27-28页 |
| 3.3.4 Financing channel is narrow, the cost is too high | 第28页 |
| 3.4 Introduction of H Bank financing system | 第28-30页 |
| 3.4.1 Credit Rating System | 第28-30页 |
| 4. Case Analysis | 第30-56页 |
| 4.1 The reasons for the financing difficulty for the SMEs | 第30-31页 |
| 4.1.1 Financial Institutions Reasons | 第30页 |
| 4.1.2 The Government Service Department Reasons | 第30-31页 |
| 4.2 The reason of SME Financing Difficulties for Foreign Bank | 第31-48页 |
| 4.2.1 SWOT Analysis of H Bank (China) | 第31-48页 |
| 4.2.1.2 H Bank (China) Co., Ltd’s Weakness | 第31-33页 |
| 4.2.1.3 H Bank (China) Co., Ltd’s Opportunity | 第33-43页 |
| 4.2.1.4 H Bank (China) Co., Ltd’s Threats | 第43-48页 |
| 4.3 The state of bank financing to SMEs | 第48-51页 |
| 4.4 Financing for SME is so important | 第51-53页 |
| 4.4.1 The SME financing gap is big | 第52页 |
| 4.4.2 The obstacles of SME financing | 第52-53页 |
| 4.5 SME Analysis of the problems of financial management | 第53-56页 |
| 4.5.1 Lack of national policy support | 第53-54页 |
| 4.5.2 A serious shortage of funds | 第54页 |
| 4.5.3 Weak financial management awareness | 第54页 |
| 4.5.4 The enterprise's financial system is not perfect | 第54-56页 |
| 5. Recommendation | 第56-58页 |
| 5.1 Suggestions on Reformation of Lending Service to SME | 第56-57页 |
| 5.1.1 H Bank's Guarantee for SMEs | 第56页 |
| 5.1.2 Suggestion for Banking service restructure under H Bank'sguarantee | 第56-57页 |
| 5.2 Suggestion on doing more financing business to SMEs | 第57-58页 |
| 6. Conclusion | 第58-59页 |
| REFERENCES | 第59-60页 |
