Chinese Commercial Banks To Provide Financial Support For The Study Of Small And Medium Enterprises

As the socialist economy system reform and the deepening of the reform of the financial system, on the one hand, the small-medium enterprises develop very well and strong demand for financial services, but for whatever reason cannot obtain the comprehensive financial services from commercial banks for some reasons. Meanwhile, Chinese commercial banks are also facing increasingly fierce competition, Therefore, they need to carry out strategic reform urgently. At present, the sustainable development problem of commercial banks and small and medium enterprises has been a hot point and key question of common interest in the field of finance and economic.This dissertation perspective to illustrate the question about the improvement of financial services from Chinese commercial banks to SMEs. trying to study the financial service demands of SMEs and the financial service supplies of commercial banks to SMEs, discuss the incentives why the commercial banks want to improve the financial services to SMEs, and analyze the feasibility of improving the financial services of commercial banks to SMEs, finally puts forward many practical and feasible countermeasures for commercial banks to improve the financial services to SMEs.First, the article reviews the development of small and medium business, providing SMEs financial services by commercial banks, meanwhile, this dissertation analyzes the financial demand including credit fund and other financial services from SMEs, Commercial banks can not effectively meet the needs of the SME market, and analyzes the present supplies situation which commercial banks offer financial services to SMEs. While Chinese commercial banks had some progresses in financial service, but their financial services to SMEs are so insufficient that cannot satisfy the financial service demands from SMEs effectively. This situation is unfavorable for the development of commercial banks and SMEs. Therefore. Chinese commercial banks should improve in various aspects urgently.Second, this dissertation discusses the feasibility of improving financial services to SMEs from four respects such as the own advantages, the possible difficulties of Chinese commercial banks focus on a few big customer,the international experiences and tendency and the improvement of other external related conditions, thus obtains the conclusion that Chinese commercial banks can completely provide more comprehensive and more perfect financial services for the small-medium enterprises.In all respects based on the analysis, the dissertation finally put forward measures for commercial banks to improve the financial services to SMEs from many respects including organizational structure, management, customer choice, marketing, services innovation, risk control and so on. Especially,Chinese commercial banks should strengthen the customer relationship management with SMEs, namely adapt measures in the choice mage to choose the SMEs, in the sales stage to sell financial products, in the maintenance stage to take care of the good customer and in the development stage to step up the value of SMEs.