A Study On Optimising The Credit Business To SMEs By The Taian Branch Of BOC

In recent years, small and medium-sized enterprises (SMEs) developed greatly, and by the end of2011the proportion of SMEs in all registered enterprises is over99%, the small and medium-sized enterprises in China create the55.6%of GDP,74.7%of industrial output value,158.9%of sales,60%of exports and46.2%of tax revenue, provide more than75%of the jobs.This paper summarizes the definition and features of small and medium-sized enterprises; analyzes the financial institutions and the bank of China, the Tai "an branch for small and medium-sized enterprises of the credit business development condition and existing problems, and sums up obstacles to small and medium enterprises to develop commercial bank credit business reason. On the one hand, the medium and small-sized enterprises assets by the limited ability is insufficient in security and management is not standard, imperfect system lowers the enterprise prestige, most of the small and medium-sized enterprises can not reach the bank credit requirements; On the other hand, because of the management of the commercial Banks authorized restriction, the mode of operation is rigid, the development strategy and management is not perfect after loans to small and medium enterprises, credit business has many difficulties.