Research On Improvement Of Small And Medium-sized Enterprises Credit Businesses Of Shanghai Pudong Development Bank

Since the reform and opening up policy,the small and medium-sized enterprises have been rapidly developing.As the new economic power,they play an increasingly important role in the national economy.At the same time,along with the development of SMEs,financing difficulties and obstacles are attached more and more attention.In order to solve these problems,the government carried out some policy.For example,government encourages commercial banks to lay emphasis on the small and medium-sized loans.In addition,the Central Bank also made the lowest ratio of loans refer to SMEs.However,the policy is not effective.Therefore,based on several years' work in the Pudong Development Bank and the theoretical knowledge and research methord acquired in the MPA study,and based on existing research platform,from the perspective of the bank,I analysis the problems,such as system of loans,way of assurance,the verity of loans,and risk control,etc in Pudong Development Bank.Then,I creatively point out to innovate the way of assurance,streamline credit processes,and improve risk control system and other measures to address the problems of financing small businesses.Small and medium-sized enterprises are expected to be benefited from the policy,which could also be the guidance of my daily work.According to the author's many years of practice and experience in Shanghai Pudong Development Bank Changsha Branch,by using the theory of asymmetric information,credit rationing theory,the scale theory,financing gap theory and financial theory as the foundation,from SME financing present situation analysis,according to the status quo of Shanghai Pudong Development Bank Changsha Branch credit business of SME and the problems existing in the financing,combining the credit system,the way of financing guarantee,loans varieties and risk control elements,respectively from the perspective of small businesses and Banks for financing countermeasure research,from the perspective of enterprise puts forward'put forward to set up the modern enterprise management system,strengthening industry self-discipline,create its own brand';From the perspective of the bank put forward 'improve the credit risk control mechanism,the special SME loan team and incentive evaluation system;improve the efficiency of SME credit approval;improve the system of mortgage guarantee;take effective marketing strategy' aspects of countermeasures,hoping to open a channel for ease the financing difficulties of SME as well as bank business development and its growing provides a systematic way of thinking and marketization.