| Finance is the heart and veins of the whole social economy. As for enterprises, good external financing environment, strong self fund-raising ability and high capital profit rate are not only the barometer to present an enterprise's developing condition but also an important factor to decide its future competitiveness. In recent years, MSSE (medium and small-sized enterprises) have flourished in China, which has played a more and more important role in the national economy and become the most active point of growth. In the Fourth Plenary Session of the 15th Party Central Committee, << Decision on several questions of reform and development of state-owned enterprises of the Communist Party of China >>was passed and it regarded it as the important link of advancing strategic reorganization of state-owned enterprise to open and enliven small and medium-sized enterprises, which would provide a good external environment for our MSSE. And at the same time, it pointed out the direction for commercial banks to support MSSE of high quality, and provided it with a wide space for research and development to extend the financing modes of MSSE as well.Now the financing of MSSE focuses on commercial banks and its source is relatively single, only sharing no more than 20% of the loan, which is out of proportion with its contribution to the national economy. That the financing channel of MSSE is not clear has become the bottleneck to restrain the rapid development of MSSE. This article will discuss more on developing the credit modes of MSSE aiming at BC (Bank of Communications), Changchun branch, whose goal is to find out a feasible and clear "Green Channel" for indirect financing and establish even perfect the credit estimation scale and credit modes which accords with the characteristics of MSSE .It will also make a beneficial study for BC, Changchun branch to extend bank business on MSSE and find its new road for development and lift its competitiveness in the intense competition. The discuss on the credit modes of MSSE for BC,Changchun branch includes five parts: the basic credit conditions of MSSE, the independent evaluation system of MSSE, the credit flow of MSSE, the innovation of financing products of MSSE, the thoughts on finance service of MSSE, etc.The feasibility study for BC,Changchun branch to develop financing business with MSSEAt present, the proportion of the financing of MSSE in stated-owned commercial banks in Changchun is lower than that in joint-stock commercial banks. In the competition for large customers, compared with the state-owned commercial banks, medium and small-sized commercial banks are still minor roles and only share a small piece of cake. Medium and small-sized commercial banks have not exploited enough on the customers of MSSE. Now there are quite a few enterprises of high quality, which have good performance, trustable capability of repaying loans and great market potential.BC,Changchun branch is the principal part of the finance system of MSSE. It has clear established ownership, sound improvement structure and effective stimulus and constraint mechanism. As for the service on MSSE, it has more advantages than state-owned commercial banks and even foreign capital banks. It has absorbed and cultivated a customer group of MSSE with high quality and faith so now a correct market position and a stable customer group of MSSE have been formed. Proceeding from the strategic height, BC,Changchun branch pays attention to the growth of MSSE, makes great efforts to cultivate fundamental customer group of MSSE of high quality and coordinate the relationship between the loan structure and scale, management and efficiency, development and risk, innovation and service and so on. It unifies the thoughts on credit business and risk control, promote what is beneficial and abolish what is harmful, supports the MSSE of high quality but restrain that of low quality, and optimizes the customer structure to find its own market position, sets up the stable customer group matching its...
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