Luoyang Small And Medium-sized Enterprise Credit Service Pattern Research

Under the strategy of central plains economic zone construction, luoyang andrapid development of small and medium-sized enterprises, in promoting economicgrowth, create jobs, increase revenue, promote scientific and technological innovationplays an irreplaceable role. According to the bureau of luoyang, the data shows,luoyang reached more than30000smes, accounting for over90%of the total numberof enterprises in the city.1-December,2012, luoyang private economic investmentexceeds ten million yuan on the new project694, a total investment of87.56billionyuan. Among them, one hundred million investment projects more than one hundredmillion yuan. Luoyang smes GDP luoyang the proportion of GDP accounted for58.1%,accounting for62.43%of the total industrial output value of industrial output andcontribution to the tax, financial and employment accounted for72.3%. Luoyang assmall and medium-sized enterprises (smes) are the most dynamic group, luoyang bankas small and medium-sized enterprises (smes) in the banking system, also is the mostdynamic in the banking sector, and outstanding achievements in the field of small andmedium-sized enterprise financial services. In the current sources of energy, rawmaterials, labor, land, etc. Under the pressure of rising costs, luoyang, the developmentand production of small and medium-sized enterprises encountered unprecedenteddifficulties, the amount of money demand to increase, part of the small and medium-sized enterprise capital chain rupture. Facing the crisis of small and medium-sizedenterprises, as a member of the family banking, how to do a better job of small andmedium-sized enterprise financial services, to help small and medium-sizedenterprises through is a urgent questions facing the bank of Luoyang.This paper exertsthe method of empirical analysis, first of all, from luoyang city small and medium-sized enterprise development condition investigation and analysis of the problems thatexist in the credit. Second case study of small and medium-sized enterprise financial services at home and abroad, and summarizes the successful experience of its creditservices. Finally through the analysis of the credit of bank of luoyang service mode,points out its existing problems, and combined with the domestic and internationalsuccessful experience of the credit service, credit service model innovation, and putsforward Suggestions for improvement of small and medium-sized enterprise creditservices, with its make luoyang credit problems of small and medium-sized enterpriseswill be able to get some relief, so as to promote the common development of luoyangBanks and small and medium-sized enterprises.