Yanbian Local Commercial Banks Present Situation And Countermeasures

Local commercial banks is an indispensable part of bank system of our country, to provide for the development of SMES financial support is the natural duty and market location. Local commercial banks in Yan Bian are an important force in my place, deepening the economic reform and development, the local commercial bank is and will be the backbone of promoting SME development of our state. The development of Yan Bian small and medium-sized enterprise faces a series of difficulties and challenges, especially how to realize the sustainable development of small and medium-sized enterprises in the strong market competition, the biggest obstacle is the problem of financing. Small and medium-sized enterprises encounter serious funding gap in development, providing loans and other financial services to support the needs of bank. From domestic and international experience, small and medium-sized banks are supporters of small and medium-sized enterprises, must increase the small and medium-sized banks to SMES financing support. At the same time, the small and medium-sized enterprises as the main service object, but also enhance the competitiveness of the small and medium-sized banks.Based on the analysis of the development actuality of local bank the current state and the plight of the basis, the author put forward the development strategy of our state and local banks some views and thinking. Market localization of our state and local firm currently is accurate, the main target market locked in the local residents and small and medium-sized enterprise services. But in order to achieve the state of Yan Bian local commercial bank’s sustainable development, seize the initiative in the fierce competition and consolidate its market position, first of all need the government to the local commercial banks to create a financial market competition environment fair, then needs the local commercial banks to increase its system construction, improve governance structure and balance mechanism, to provide different financial products for the local residents and small and medium-sized enterprises, to provide quality and thoughtful services, relying on its own advantage to open up a gap in the market to seize the market opportunities.