Small and medium-sized enterprises (SMEs), as an important engine of economic growth, cannot develop their financing without the effective support of banking institutions. In order to alleviate the difficulties of enterprise financing, a research on the innovation of banks' support for SMEs' credit financing model under the perspective of credit capital is proposed. The information asymmetry theory and transaction cost theory are analyzed, and the statistical method is used to analyze the status quo of microfinance business carried out by banks of different sizes, and it is found that the financing support and attention of small banks to microenterprises is greater than that of large banks. Secondly, the DEA model is used to analyze the credit financing efficiency of micro and small enterprises of large banks, medium-sized banks and small banks, and the results show that banks of different sizes have efficiency differences in supporting the financing of micro and small enterprises, and then the super-efficiency DEA model is used to further calculate the credit financing efficiency of micro and small enterprises of banks of various sizes, and the final result is that there is not a linear correlation between the size of the bank and the efficiency of the financing and credit. Based on the analytical results, specific credit financing model innovation paths are proposed, including optimizing the credit assessment system, innovating credit products and services, and strengthening policy guidance and incentive mechanisms. It aims to stimulate the innovation vitality of SMEs and promote their transformation and upgrading.

Meng Mingyue. Research on the Innovation of Banks' Credit Financing Models in Support of Small and Medium-sized Enterprises from the Perspective of Credit Capital. Academic Journal of Business & Management (2024) Vol. 6, Issue 12: 208-214. https://doi.org/10.25236/AJBM.2024.061229.

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