The Research On Development Of Smes Lending Of Guangxi XX Bank

In recent years, with the sustained economic growth in GuangXi area, the region of small and medium-sized enterprises is also showing good momentum of development. So they need more and more Bank credit capital to support their development. As a local commercial bank in GuangXi province, GuangXi XX bank has taken "service for SMEs, and grow with the SMEs" as their business philosophy.In this paper, we take the SMEs lending of GuangXi XX bank as our research object. And with the asymmetric information theory, we analyze the current situation of the development of the business at first, and find out some existing problems of it. We find out that there are some problems in the development of SMEs lending business process. For example, GuangXi XX bank exist the asymmetric information problems inside and outside the bank. In the internal, the problem exists between Superiors and inferiors, and different departments. On the outside, these issues as follows:the credit access threshold is too high, and the credit rating system isn’t reasonable and so on.Secondly, we analyze the development market environment of the SMEs lending of GuangXi XX bank. We have a look on the market prospect, and how GuangXi’s bank to support their SMEs, and use of the SWOT analysis framework for a summary. The results show that GuangXi XX bank have some advantages on its SMEs lending business, such as the good geopolitics and popularity basics, and lower cost and so on. But, at the same time, there also have some defects in this business. For example, it exist the asymmetric information problems inside and outside the bank, and lack of innovation in the products development and so on.Finally, we put some forward countermeasures for GuangXi XX bank to improve the competitiveness of its SMEs lending business. We point out that, GuangXi XX bank should make some adjustments from the following aspects:the incentive mechanism of the bank, internal information circulation channels, and the relationship of branch balance, the credit access threshold, and so on. Only through these adjustments, GuangXi XX bank could push its SMEs lending business into a new stage. This paper’s research methods and conclusions could make some reference value on commercial bank’s operation practice.