Xi’an Branch Of SPD Bank SME Logistics Bank Business Innovation

At present, the financing has become restricting our small and medium-sized enterprise development of the important factors that affect the our country’s whole even economic growth. In this context, to broaden the financing channels of small and medium-sized enterprises become the economic and social concern line and logistics business bank as a through the small and medium-sized enterprises of the products to the commercial bank pledged for loans business arises at the historic moment. Commercial Banks logistics business in not only alleviates the small and medium enterprise financing difficult question, also become the commercial bank new profit growth point, and is the rapid development of logistics enterprise and achieve a high level of cooperation and achieve the logistics, distribution and information flow and cash flow, the unity of the whole to small and medium-sized enterprises, commercial Banks, logistics enterprise and dealers of the four winds supply situation. Shanghai pudong development bank xian branch is to see the small and medium enterprise logistics bank of shaanxi province business’s extensive demand, and carry out the business contains of business opportunities, actively carry out of the banking business to logistics, and be implemented as soon as possible in xian branch, to make logistics banking become Shanghai pudong development bank xian branch new profit growth point.Based on the definition of logistics bank business development, the present situation and function and significance of the comprehensive comb, Shanghai pudong development bank for small and medium-sized enterprise logistics xian branch bank business innovation to provide strong theoretical support; Secondly, this paper briefly analyzes the Shanghai pudong development bank xian branch of the present situation of small and medium-sized enterprise business and problems, and analyzes the reasons of the problems, according to the problems, this paper attempts to introduce logistics bank business to solve the financing difficulty xian branch of the problem, and combined with the present situation of the Shanghai pudong development bank xian branch from small businesses and logistics enterprise development Angle to Shanghai pudong development bank xian branch bank in logistics business feasibility analysis; Finally, the paper constructs the Shanghai pudong development bank small and medium-sized enterprise logistics xian branch bank business of the implementation of the system and puts forward the business in the risk management measures. Finally the conclusion that:(1) financing constraints become small and medium-sized enterprise development of important factor. Small and medium-sized enterprise as capital are weak, influenced by the market environment, so easily capital chain rupture, so need through the loans raise capital. But because of small and medium-sized enterprise credibility and resist risk ability are relatively weak, small and medium-sized enterprises guarantee or mortgage is hard to implement, some small and medium-sized enterprise financial system is not standard management level is low and the bank for small and medium-sized enterprise business transaction costs higher makes small and medium-sized enterprise is facing difficult situation of financing.(2) the Shanghai pudong development bank in xian branch logistics business have the bank feasibility. At present the Shanghai pudong development bank xian bank development in good condition, and carry out the banking industry can not only solve the logistics of shaanxi province, the present situation of small and medium-sized enterprise financing, and the business will also become Shanghai pudong development bank new profit growth point. Shanghai pudong development bank in logistics bank business lies in shaanxi province in recent years of small and medium-sized enterprises and the logistics enterprises of rapid development, provide the market for business development foundation.(3) the Shanghai pudong development bank in logistics bank business must build perfect business implement system. This paper mainly to establish an effective system innovation support platform, set up and logistics enterprise strategic cooperative relations, establish the logistics innovative financial products and service support system, raise the risk control technology level, the internal organization innovation, establish cross-industry informatization management system established six logistics banking system implementation.(4) in the Shanghai pudong development bank risk management is the key link of logistics banking business. Banks are facing any business risk, the key lies in the risk to prevent and control, risk reduction, realize that lower risk lucrative. Shanghai pudong development bank in the process of logistics banking business mainly face RongZiFang, logistics enterprise and the pledge three aspects of the risk, the bank’s internal and logistics must be from two aspects to strengthen enterprise risk management level.