Small And Medium Banks Sme Business Innovation Research

Midium- and small-scale enterprises (SMEs) in the promotion of scientific and technological progress, increasing employment, expanding exports, and so is playing an increasingly important role. But compared to the contributions of SMEs to the economic development and the increase of employment opportunities, the Government and the community's finacial supports, particularly on the much-needed capital of the SMEs's development is very limited. For SMEs, to obtain financial supports from outside is very difficult, the problem has become a constraining bottleneck for rapid and healthy development of SMEs. To solve the problem of SMEs, establishing and improving the system of the financial services for SMEs's development is essential. Under the China's bank-dominated financial system, building a bank-centered financial service platform for SMEs becomes more important.This paper studies how to integrate resources from all sources, from the bank's point of view of financial services for SMEs to build "one-stop" platform. This article first describes the role of SMEs in the national economy and the importance of financing for SMEs; the followed is the far-reaching strategic significance for the small and medium banks to give the SMEs financial supports; then studied at home and abroad's successful experience of financial services to SMEs, in the foreign field of study, the major is the government's financial supports, in the domestic, is the commercial banks's; and in-depth analysis Bank of Chongqing's SMEs business development process, and the problems and causes, also reflects China's commercial banks's SMEs business trend; the fifth and sixth part are the in-depth analysis of the Chongqing bank financial services for SMEs, from the head office and operating agencies to make specific optimization measures at two levels, especially in the building service platform for SMEs on a full exposition arid research, and conduct a detailed Case Studies; finally from the government, enterprises and banks to make recommendations in three areas and inspiration, the conclusions of this study are in order to achieve the purpose of practical work which can be guided.This paper studies the Bank of Chongqing's efforts and exploration of the innovative research in the area of SMEs in recent years, drawing on domestic and international advanced experience, innovating and building the financial services platform of SMEs. Gives some supporting reference about SMEs how to improve their own strength, and the small and medium banks how to enlarge and strengthen SMEs, what measures the government needs to take. The author hopes that through this research and exploration, we can provide ideas to solve the financial difficulties of SMEs and promote the financial service system for SMEs.