Research On The Value Chain Of Minor Enterprisesoperation In Qinghai Bank

In the developed countries and emerging economies, build a vibrant some sector is considered to be one of the top priority of all economic development goals. Small and medium-sized enterprises are the main driving force to create employment and GDP growth, contributed a lot to economic diversity and social stability, plays an important role for private sector development. Small and medium-sized enterprises of the country’s economic effect will increase with the rise in national income levels, the fact that small and medium-sized enterprises in this province to economic growth driving force.And local commercial Banks-bank of Qinghai scale compared with the state-owned commercial Banks and joint-stock Banks, smaller outlets relatively scattered, varieties of business is relatively single. The ability of financial innovation, and the advantages of rapid development, are relatively weak. In a large enterprise credit aspects of apparent competition with large commercial Banks is difficult to, but in providing products and services for small and medium enterprises have a strong advantage, because bank of Qinghai is in established on the basis of the original urban credit cooperatives in Qinghai province, and has independent legal person qualification, new type of local commercial Banks. It rooted in the environment of market economy, property right relations is relatively clear, more flexible and convenient service, management cost is lower, compared to respond to market changes faster, and stronger risk visual characteristics, compared with the small and medium-sized enterprises in Qinghai origin deep.If the commercial Banks of small and medium-sized enterprise business the entire process as a system of value chain, each link of business process, including the understanding of the market, developing products and services, access and screening of small and medium-sized enterprises, to provide services to small and medium-sized enterprises, management information and knowledge of five links, comprise the commercial Banks of small and medium-sized enterprise business value chain of each link. Any link will complete one or more assignments, make the product or service in the internal transfer, create value and realize value of gradually accumulation and transfer. Through analyzing the value chain can optimize the bank for small and medium-sized enterprises in Qinghai province and the decomposition and integration of small and medium-sized enterprises from the perspective of strategic business value chain of each link, to find a strategic competitive advantage, and form a sustainable competitive advantage.