Research On Financial Service Tactics Of Small And Medium - Sized Enterprises In

Chinese China economy is in a period of rapid development, is now in a "new normal" stage, the government should implement the green GDP light, to achieve economic development,whether the economic development in a reasonable interval needs to have full employment as a guarantee. Premier Li Keqiang stressed: judging from the current situation, Small and micro businesses can be said to be the main field of absorption, to promote employment; from the long-term development, support the development of Small and micro businesses, encouraginginnovation, the innovation is to promote the public most important one sustained, stabledevelopment of China’s economy. At the same time, Small and micro businesses health, fastdevelopment will promote the linkage of inside and outside, and gradually developed into a bridge of Sino western economic development, conducive to the China advantage resourcesto go out, is conducive to the promotion of industrial adjustment and upgrading, conducive to the realization of "win-win cooperation, common development". Small and micro businesses is an important part of our national economy, is the most active cells in the market economy.In recent years, the country also attaches great importance to the development of small and micro enterprises, and put forward the corresponding policy. The research object of this thesis is the Contractor’s bank small micro enterprise financial business, is also focuse on how to solve the Bao shang bank small micro enterprise financial service problems,how to optimize the small business financial services.Firstly, the research background and research significance are described, also the small micro business concepts, and summarizes the literature review of domestic and foreign small business financial services, and laid the foundation for the later writing writing. At the same time, in order to better for small business financial services research, the paper also presents the theory of customer relationship management, banking industry scale economy theory, industrial cluster theory. Research methods in this paper by using the combination of normative analysis and Empirical Analysison the present development situation of small micro enterprise financial services and the problems in the development of. Although the bank in recent years the development of small micro enterprise credit business has developed rapidly, but there are still some problems: the business growth, large data applications lack; credit products and credit business distributionof single area is less, less area distribution business, has not spread to all parts of the country; overall planning need to be promoted, change requires deepening; the way of marketing and marketing personnel there are the original marketing mode and marketing personnel quality problems also need to constantly improve;risk control and management: the Contractor’s Bank in the small micro enterprise credit process to take "concrete operation mode of whole process" single, this model has its limitations own. This paper tightly around the Baoshang bank small micro financial strategy, combined with the actual situation of Baoshang bank puts forward its financial services strategy specific:change change the idea, to promote small micro financial business development; improving credit products and expand credit field; to strengthen the team building; strengthen credit risk prevention and control; speed up the construction of small micro enterprise data management platform.On the basis of comprehensive analysis, this paper combines the Baoshang bank small business financial services of the status quo, to keep up with the changing of the financial market environment, and puts forward some specific financial service strategy. In order to ensure the effective implementation of the financial services strategy, this paper puts forward some feasible protection measures: professional security personnel, the establishment of a learning organization, to improve the quality of team of business; optimization of human resources allocation, strengthen professional training. Technical support, the establishment of small micro enterprise information platform, improve the work efficiency of the bank; credit management system to establish full control; strengthen the internal assessment and incentive to improve and continue to strengthen and perfect; brand construction; improve business mode, operation mode and business mode.