City Commercial Banks To SMEs Credit Strategy Research

Since2012the world economy is still in the recovery of the world’s major developed economies will continue in a pattern of continued slow growth, our economy is going through an orderly transition to self-growth policies to stimulate economic growth has slowed, many smallthe living conditions of widespread concern.A larger proportion of the number of SMEs in China have played a significant role in the expansion of employment, economic development, stable society, promotion of domestic demand. In order to ensure sustainable economic development of China must vigorously support and promote the development of SMEs, but the financing of SMEs has been a problem.Services to city residents, services for SMEs, services, local economy,"the general market position of city commercial banks. City commercial banks as a local bank, on the one hand, there is a small scale, risk resilience is not strong corporate governance imperfections and weaknesses, on the other hand, city commercial banks in the financial services for SMEs with information, services, localized advantages. Therefore, SMEs as its main customers are objective and scientific strategic choice of city commercial banks.SME credit strategy research of city commercial banks will ease the financing difficulties of SMEs to open a channel, but also conducive to the rapid development of city commercial banks own business, will have very important theoretical and practical significance.This paper first analyzes the relationship of city commercial banks and SMEs, followed by carrying out the theoretical analysis of the SME credit business, Finally, the combination of quantitative and qualitative analysis, confirm the theoretical research and practical case, Zhengzhou Bank as an example of in-depth discussionproposed policy recommendations. The article considered by create "commerce logistics banks, SME financial experts, boutique Community Bank brand to vigorously develop small and medium-sized micro-enterprise credit business the scientific strategic choice of Zhengzhou bank, and vigorously promote the SME credit risk quantitative analysis tools, the creation of small and medium-sized business characteristicscredit operation mode "credit factory", scale, mass and information service is the eventual realization of the credit business Zhengzhou Bank SME credit strategy selection.