A Bank Of Beijing Branch Of Small Micro - Enterprise Financing Business Development Research Report

In recent years, Beijing Municipal Government introduces many policies and systems to boost the development of middle and small-sized enterprises. Meanwhile, commercial banks in Beijing adapt to the transformation and upgrading of small and micro businesses by introducing different financing products and services. Bank A, one of the four major State-owned Commercial Banks (SOCB), is inferior to other commercial banks despite the continuous reform and innovation in the financing operations of small and micro enterprises. So an investigation was conducted about the financial services of small and micro enterprises among banks in Beijing, to find out the existing problems of Bank A in the process of expanding small and micro businesses. The demands of small and micro enterprises in Beijing were investigated firstly to determine the financing requirements of small and micro enterprises. Then the interviews, literature reviews and field investigations were employed to compare and study the scale, personnel allocation, business process and personalized services of small and micro businesses of commercial banks in Beijing, from which the problems in small and micro businesses developments could be identified. Furthermore, reasonable proposals have been put forward about the control of cost, the team construction of customer manager for corporate customers, the optimization of approval process, the maintenance of marketing channel and service innovation, etc, to help the small and micro businesses of Bank A in Beijing achieve sound and sustainable development.