Our Current Credit System Under The Conditions Of China Merchants Bank For SME Financing Business Of The Second Transformation Innovation Program

China’s economic growth can not able to be separated from the development of small and medium-sized enterprises. At the same time, small and medium-sized enterprises financing difficulties further development "bottleneck". Due to the current-bank financial institutions in China there is the old concept of lack of specialized agencies, financing a single species, financial marketing underpowered, over-exaggerate the risk for SME financing.The face of the huge market and competitive pressures from the SME customer financing business, the paper by the introduction of China’s existing financing channels, expanded to a step by step description of the status of the development of SMEs, the financing situation of SMEs and SME financing reasons, the causes and congenital Mishap theoretical solution, then expands to China Merchants Bank as a financial institution should do a good job of SME financingThe face of the huge market and competitive pressures from the SME customer financing business, the thesis Merchants Bank in the implementation of innovative solutions for SME credit is lost, and the limited size of the financing of the "second transition", the Credit Management Development Goals adjustment in order to achieve maximum efficiency and to ensure the sustainability of earnings steady growth, low capital consumption, lower cost and risk, and higher target rate of return, in order to better cope with the increasingly fierce market competition. The program specifically designed corporate finance business, and at the same time stressed that reduce bank costs, improve work efficiency, focusing on design comprehensive development of the technical solution of the wholesale business, and to explore the China Merchants Bank SME financing business development strategy.This thesis elaborate the innovative proposals of the credit system management and change ideas, and to provide reference solutions for practical problems encountered in the development of China’s small and medium enterprises financing business.