The Research On The Promotion Of The Financing Service Of Small And Micro Enterprise Customers Of Baoshang Bank In Chifeng

Since China’s reform and opening up, the small and micro enterprises in Chifeng have developed quite rapidly, with the scale getting bigger and bigger. And so it has evolved into a major force to promote the local economic growth. At the same time, their demands for the fund and other financing services also increase gradually. As opposed to the large-scale enterprises, the small and micro ones are deficient in systematical report forms and mortgages, which result in a number of banks in Chifeng lacking of trust on their capacity to manage the financing risk.On account of the practical experience, the analysis of financing theories and costs as well as the current situation and characteristics of the small and micro enterprise customers of Baoshang Bank in Chifeng, this thesis analyzes the problems in the promotion process of our financing services, and then explores better service strategies, for example, to close to market demand, develop new financial products, and optimize the service means, guarantee type and management mechanism and extend financing channel. In this way, the problems of "urgency","frequency" and "difficulty" of our small and micro enterprise customers would be finally solved, and the local economy construction would also be well served. In the meantime, the Chifeng Branch of Baoshang Bank would be able to make great improvements in the financing service, and enable those costumers to fully play their role in enlivening the market, boosting the demands, creating employment opportunities and maintaining social stability, and etc.All in all, this thesis provides not only theoretic exploration but also the specific analyses of related problems based on the practical situation of Baoshang Bank Chifeng Branch, the increasing needs for financing service and lessons from others banks. And finally, financing service strategies with more operational characters are developed.