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The Research In The Development Of The Small And Medium-sized Enterprise Credit Business Of Bank Z Jinzhou Branch

Posted on:2014-01-09Degree:MasterType:Thesis
Country:ChinaCandidate:L L KangFull Text:PDF
GTID:2249330395499595Subject:Business administration
Abstract/Summary:PDF Full Text Request
For a long time, city commercial banks provide credit support to small and medium-sized enterprises (SEMs) actively. But they are also faced many problems. This article is conducting a study on the credit business for SEMs under such circumstances. We are aiming at finding solutions which commercial banks can not only improve their own development, but also further widen the financing channels for SMEs.This article consists of four chapters. The first chapter raises a question. We analyze the importance of Bank Z Jinzhou Branch’s SMEs credit business. At the same time the Chinese and foreign literatures for SMEs credit problems are discussed and the author analyses the literatures to propose the research ideas and methods. The second chapter as a extension theory introduces the concepts and characteristics of SEMs and city commercial Banks. We also make an in-depth analysis of credit products of domestic banks compared with overseas. The third chapter analyzes and finds out question of Bank Z Jinzhou Branch’s status of SMEs credit business.Chapter four propose a number of program with the results of the analysis.The third chapter and fourth chapter are the focus of this article. The third chapter puts forth effort to discuss Bank Z Jinzhou Branch’s credit business for SEMs. We analyze the present situation of Bank Z Jinzhou Branch’s SMEs credit business from the credit balance of distribution, market and product positioning, loan guarantee mode and pricing model of four aspects to find out problems and the cause of the problems. The fourth chapter puts forward some countermeasures which on the basis of third chapter. Firstly, establishing a variety of credit guarantee methods; Secondly, the credit business should be different according to different types of SMEs or different development phases;Thirdly, enhancing information collects and exchanges and establishing a effective risk prevention system; Fourthly, providing the highest quality service to SMEs and ameliorating checking and incentive mechanism; Fifthly, simplifing the loan process and providing with convenient service.As a business philosophy, the formation of stable and reliable customer groups, in order to provide quality products and value-added services also promoted its own development improve.The subject of this dissertation is to analyze the problem of Bank Z Jinzhou Branch’s SMEs credit business, find solutions and propose a harmonious strategy. Through policy optimizing, the credit service of SMEs will be more perfect and the supports of SMEs will also be more powerful. SMEs can promote economic development of the whole region, thus creating an excellent financial environment which seek common development and achieve a win-win situation.
Keywords/Search Tags:Small And Medium-sized Enterprises(SMEs), City Commercial Bank, CreditBusiness, Bank Z Jinzhou Branch
PDF Full Text Request
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