The State-owned Commercial Banks To Enhance Financial Services For Smes

This paper firstly points out the importance of SMEs. In volume, it accounts for almost all of Chinese 70% of the total enterprises; in the growth of the national economy, it also has played an increasingly important role. So in today's China, the development of SMEs will undoubtedly have important practical significance, such as: The development of SMEs is the information age—the service economy inevitable choice, the development of SMEs is conducive to the development of new technology proliferation, the development of SMEs will help expand employment and so on. However at present, the problem of difficulties in financing for SMEs is widespread in China, the reasons for this phenomenon are manifold, such as: SMEs backward thinking, SMEs own mismanagement, less reputable, weak bank loans and government lacks the necessary policy support and so on. However, in all of the factors, bank loan is an important negative factor.Then, this paper presents the important role of the state-owned commercial banks. The state-owned commercial banks are an important component of Chinese banking system, and some of their businesses even achieve a monopoly position. The simultaneous development of the SMEs lending operations of the state-owned commercial banks will also have the development of strategic importance, such as : This can develop cost-effective, a high level of technology, great market potential and stability of the SME customers; This can expand the state-owned commercial bank's market space, and foster new profit growth point.; This can help reflect the state-owned commercial banks in Chinese national economic system to the important position and so on. So the study of state-owned commercial banks lending to SMEs will no doubt have some practical significance and some representation.Finally, the paper describes Chinese state-owned commercial banks to SMEs in the current situation of financial services, according to the foreign country and some successful experience, presents improvement measures. At present, Chinese state-owned commercial banks lending to SMEs financial services have many shortcomings, such as: "service discrimination" to SMEs, few types of financial products to SMEs , operating guidance ideologically rigid, complicated loan procedures and loan management system is too strict and so on. To address these issues, the author learns some experience from some Western countries, such as: special SME loan policies, effective SME loan approval system and the perfect system of loans to SMEs and so on. And then the author reviews a series of suggested solutions, such as: changing old ideas, innovating loan products and scoring methods, simplifying loan procedures, activating loan management system and attaching importance to the relationship with the SME Marketing, supporting countries in establishing SME loan guarantee system and so on, hopes to help Chinese state-owned commercial banks to improve financial services for SMEs.