Problems And Solution Strategy Of Smes Credit Business

With economic reforms of China deepening and the private economy flourishing, SMEs have become an important part of Chinese economy. At the same time with financial reforms speeding up, the SMEs credit of bank-ing business will become an important earnings growth point in the future. However, the difficulties in financing of SMEs is a long-standing pheno-menon, and its intrinsic reasons can not be evaded. Because of the differences between the characters of SMEs and the large scale business group or clients, the bank can not copy the operating mode of major clients and groups to SMEs credit of banking business. How SMEs credit of banking business is consistent with the law of bank development and fit on the characteristics of the SMEs is a very important subject. Wenzhou is the origin of private economy in china, SMEs here is flourishing. CCB Wenzhou branch is one of the stronger state-owned bank in market of Wenzhou and has accumulated a great amount of practice experiences by keeping doing the credit operation among SMEs. Take CCB Wenzhou branch for example is very important.This essay starts with the characters of SMEs and the practice of Wenzhou bank, analyst by asymmetric information and game theory and advances solution strategy about how to make a perfect developmental pattern of credit operation according to the features of SMEs under the background of Wenzhou's economic environment by borrowing the foreign banks who are successful in credit operation of SMEs. The solution strategy include mode rebuilding, choosing clients, financing strategy, products creation, the management of risks, the price of loan, the management of customer relationship, the cover of risks and so on.