Study Of SMEs Financial Services Strategy Of China Minsheng Bank

At present, the scale of China’s SME financial services market continued rapidgrowth. The year2010has seen a new era of commercial bank financial servicescompetition for SMEs."Specialization" and "differentiation" are regarded as key wordsfor SMEs financial services. Minsheng Bank places SMEs services in the height of thestrategic development and committed to providing qualified financial services to SMEs.This study laid foundation for the long term development for Minsheng Bank.Firstly, analyzing the current status of Minsheng Bank financial services and existingproblems. Secondly, refer the experiences of the international leading commercial banksthrough the research on SMEs financing experience of Commerzbank, Wells Fargo Bankand Kasikornbank. Thirdly, study the surveys of Products satisfaction，promation mode,and risk management of Minsheng Bank and then put forward strategies from fourdecisive aspects—organizational structure, products&service, marketing and riskmanagement. Finally, illustrate the Guaranteeing measures such as Cultivatingprofessionals, SME performance assessment system, technology support, compliancemanagement and building SME financial service brand for implementing SMEs strategy.The paper is intended to structure the SME financial service strategy for Minsheng Bankand help SMEs marching forward.This research has important guiding role of Minsheng Bank to enhance small andmicro businesses service ability, at the same time for other financial institutions also havecertain reference significance.