Under The Background Of Industrial Transfer Of The Shaoguan Branch Of China Construction Bank Financing Of Small And Medium-sized Enterprises Service Strategy Research

It is a significant way for Shaoguan to change the economic pattern by the method of facilitating the shift of industry from the Pearl River Delta.Since the Provincial Committee and Provincial Government put forward the "Double change" strategy in2008, the construction of the industry shifting park in all parts of Shaoguan has gone smoothly, with certain achievements on this work.However, there existed a series of problems concerning the lack of coordination on trade and investment promotion, the singleness of the financing pattern, the deficiency of the usage of land, and the limited effects of the industrial transfer geared to the needs.At the process of industrial transfer in Shaoguan, enterprises are the basic elements of industrial transfer, while the small and medium sized enterprises are the main parts of industrial transfer. Only when those enterprises are well financed can they grow and develop healthily. At this time, bank financing services play a special important role in it.The paper, which based on the industrial transfer related theory as the foundation, stands in the position of the construction bank branch in shaoguan, through the industrial transfer under the background of small and medium-sized enterprise financing demand trend and structure research, to analyze the construction bank branch in shaoguan to meet the small and medium-sized enterprise financing demand under the industrial transfer service the present situation and the question, thus further puts forward to improve and optimize the construction bank in middle and small enterprise financing demand service Suggestions and strategies. Through the study found that industrial transfer of small and medium-sized enterprise financing demand have problems in line of small, short time limit, time urgent, frequency is high, the need for multiple waiting as a characteristic, but because of small and medium-sized enterprises in financing process prevalent business management is not standard, the financial system is not sound, anti-risk ability is not strong, lack of sufficient value effective to pledge and guarantee measures. At last, Commercial bank credit funds will choose more to large and medium-sized enterprises, small and medium enterprises to extend the loan often cautious attitude, thus appeared the small and medium-sized enterprise financing difficult situation, especially the industrial transfer of small and medium-sized enterprise question is outstanding, and in the process of financing the difficulties faced by more complex.In view of the special nature of the financing problems of SMEs industrial transfer, from a combination of business development and risk control,the angle of Shaoguan Branch of China Construction Bank, combined with the guidelines of the strategic policy of "double shift" in Guangdong, SME industrial transfer from Shaoguan area start toidentify problems, diagnose the problem, to solve the problem as the main line, and to analyze the status and trends of the financing of SMEs in the context of Shaoguan industrial transfer.On the status quo of Shaoguan Branch of China Construction Bank SME financing services, provide a variety of services for SME financing strategy.Such usThird-party platform products for SME financing, supply chain financing strategy, the Forest Right Mortgage financing strategy, unsecured financing strategy, online banking channel financing strategies.Platform of third-party professional security company financing is useful for industrial transfer to the Shaoguan SMEs.Shaoguan Branch of China Construction Bank launched a series of SME financing products to better meet the the Shaoguan area financing needs of SMEs, and corporate finance issues to provide some reference and reference significance for other areas’ industrial transfer.According to the financing problems of SMEs to support the transfer of industries of the Shaoguan Branch of China Construction Bank, this paper sums up further support SME financing industrial transfer of specific ideas and offers recommendations with the theoretical and practical significance as the perspective of the transfer of industry enterprises, commercial banks, government agencies, Industrial transfer management committee.