| Small and medium sized enterprises have irreplaceable status in the current economic development of world countries. In our country, small and medium sized enterprises are important force which is integral part of the national economy of our country. Since China's opening up, the small and medium sized enterprises have been developed rapidly, which have made prominent contribution to solve the social employment, sustain the social stability and promote the rapid development of national economy. But, the small and medium sized enterprises have always been facing the difficulty of financing during their rapid development, which has become a bottleneck restricting the development of the small and medium sized enterprises. In our country, bank credit fund has been the important source of financing for small and medium sized enterprises, but during a relatively long time, the small and medium sized enterprises have been difficult to obtain sufficient credit support from banks due to a variety of restrictions. Now with the development of capital market and the acceleration of financial market reform and financial disintermediation, the commercial banks are very difficult to get profit from large-scale client. Under this operation circumstance, developing the business of small and medium sized enterprises is of material and substantial meaning for the commercial banks to adjust business structure, expand market space and seek new efficiency growth point.The entry point of this thesis is the development status of small and medium sized enterprises of our country and their main financing channels. Firstly, defining the concept of small and medium enterprises. It analysis the difficulties caused by the causes of credit facilities for small and medium enterprises and commercial banks, Secondly, analysis the problems from XX bank to carry out the business for the small and medium sized enterprises. And, further reveal the reason of the problem. And on this basis, the thesis will point out that the bank should actively transform the operational concept in the expansion of business for small and medium sized enterprises, plan the relationships between large and small clients, accelerate the product innovation, integrate the risk prevention mechanism and enhance the marketing ability to the qualified small and medium sized enterprises to strive to promote the rapid development of the business of small and medium sized enterprises. Finally, taking the small and medium sized enterprises of A company as examples, the thesis provides a plan design for XX bank to carry out the business for the small and medium sized enterprises. |
