Study Of Regional Commercial Bank Development And Sme Financing

Regional commercial bank (RCB) is the specific financial institutions which business scope within a certain administrative areas in this article. In recent years, the survival and development of RCB are faced with enormous pressure because of the external market competition intensifies and the internal self-congenitally deficient, especially the swing of market positioning. At the same time, the problem of financing has been bottleneck that restricts the further development of SMEs. The impact of the financial crisis makes the problem even more severe. Therefore, it has an important practical significance and long-term significance to research the development strategy of RCB and alleviating the financing problems of SME financing in the new historical context.As an entry point to analyze the development environment and strategies of RCB, this paper studied the comparative advantages and business strategy of RCB in SME financing services with considering the characteristics of SME financing needs. After summing up the presence experience and problems of Chongqing regional commercial banks in SME financing, this paper proposed some rationalization proposals.This paper consists of seven parts.The background, significance and structure of this paper are introduced in part 1 (Preface).The concept, characteristics and theoretical basis of RCB is summarized in part 2(Chapter 1).The realistic basis of RCB development, including external environment, status quo and problems is analyzed in part 3(Chapter 2).In part 4(Chapter 3), this paper overviewed the concept and status quo of SMEs, and analyzed the characteristics and the causes of financing difficulties of SME financing.After analyzing the comparative advantages of RCB in SME financing, the credit risk control strategies and business strategies are proposed in part 5 (Chapter 4).In part 6(Chapter 5), this paper empirical studied Chongqing regional commercial banks for SME financing services.Conclusions are drawn and the future works are suggested in part 7(Chapter 6).This paper attempts to provide theoretical guidance and reference for promoting the development of RCB and abating the financing difficulties of SME by studying the RCB development strategy in SME finance services. The main contribution of this paper include:staggered combing out and analyzing of status quo, development direction and strategy of RCB, provided a new reference to solve the SME financing difficulties by researching the RCB services of SME financing, provided an useful reference for other regional commercial banks to develop related businesses by summing up the experience and problems in Chongqing regional commercial banks SME financing service.The research of RCB development and SME financing is not only an extremely realistic and urgent issue, but also a comprehensive issue. I think that the following works need to be studied.(1) To comprehensively build the RCB development system, we need to research the all factors such as operating system, management philosophy, technological innovation and personnel development.(2) This paper proposed the strategy of RCB service of SME financing on the perspective of the general demand, future research should to put forward idiographic business strategy by targeting at the specific characteristics of SME financing needs.(3) To solve the financing problems of SME not only to improve the banking services, but also to comprehensively consider of the social credit system construction, the development of various financial institutions, guarantee agencies, and other factors.In addition, because the difficulty of data acquisition and the limited of personal knowledge, this article primarily focuses on the macro research and qualitative analysis, while the micro-operation mechanism, case studies and quantitative analysis are quite lacking. This is also the author's regret.