Analysis On SME Financing Business Development Of NG Bank Sichuan Branch

As one of the most active parts in Chinese economy, SMEs (Small and Medium Enterprises) play a decisive role in increasing domestic demand, stimulating economic growth, regulating industrial structure and expanding employment. However, the issue of financing that plagued the development of the small and medium-sized can hardly match the important role it has played in the national economy. As a large state-owned commercial bank, it is crucial to its development whether NG bank can effectively broaden SMEs credit market currently.As a manager of business department in NG bank Sichuan branch, I have explored solutions of financing SMEs by using the knowledge of EMBA and combining the actual situation of NG bank. In this paper, I will analyze problems in SME financing business of NG bank, and put forward some suggestions in order to promote its rapid and sound development.The paper will be divided into five chapters.Chapter 1 is about the overview of the SME financing in commercial banks in China. It firstly introduces the actual situation of SME financing in commercial banks; and then simply demonstrates the origins that cause such problems.Chapter 2 is about the basic concept and developing significance of SME financing business for common commercial banks. First, it briefly outlines the basic concept of the SME financing in commercial banks, and then illuminates the law relationship referred and the terms of applying loan; moreover, the importance of developing the SME financing business for commercial banks is elaborated.Chapter 3 is about the status and problems of SME financing business of NG bank Sichuan branch. At first, the development of SME financing business in NG Sichuan branch is introduced. Furthermore, the main problems in the development of SME financing are analyzed in following aspects, such as the moss-grown conception, the unclear targeting market, the obsolescence of transaction mechanism, the weak teambuilding and less competitiveness in financial products.Chapter 4 is about the analysis of development environment of SME financing in NG Sichuan branch. First of all, external environment and financial characteristics of the development of SMEs in China are stated, and then by introducing the characteristics of SMEs and policies on SME financing in Sichuan area, it analyzes the status quo of SME financing.At last the strength, weakness, opportunities and threats that NG Sichuan branch will face are analyzed involving both internal and external factors.Chapter 5 is about the suggestions of promoting SME financing business in NG Sichuan branch. On the basis of the previous chapter, firstly this chapter describes the program for developing SME financing business of NG Sichuan branch. After that, it comes up with more implementational proposals for developing SME financing business in such aspects as awareness, targeting market, transaction mechanism, financial products, risk management and teambuilding.Through the study of EMBA in SWUFE, I have analyzed the present condition of SME financing business in NG bank Sichuan branch and made my own suggestions. Some proposals that the paper have noted are now being implemented in my bank. I hope this paper can provide a reference for the industry.There are errors and omissions in this paper due to my limited knowledge and any comment you care to make would be highly appreciated.