A Strategic Research On The Credit Business Ability Of The Minor Enterprises Of CCB Pingliang Branch

With the development of Chinese Economy, the rapid rise of SME has become an important part of our national economy, playing an irreplaceable role in the national and regional economic development. The statistics show that the number of small and medium enterprises accounted for99%of the total number of the enterprises in China; the final product and service value they have created accounted for60%of the GDP, contributing55%of the tax revenue to the state and providing nearly80%jobs for the community. In recent years, the center of gravity and credit resources of large state-owned commercial banks have been focused on big industry, big clients and big projects, exposing problems like the customers’ structural convergence and higher risk concentration etc. and the bank credit business transformation is imminent. Therefore, SME credit business is becoming more and more important in the business of commercial bank assets. It has become a common issue faced by the commercial banks to enhance the ability of the SME credit business, to expand financial markets for SME, to achieve customer structural adjustment, to complete business restructuring, and to transform the payoff through correct development concept, perfect service system, strict business processes and scientific risk identification and control methods.As an important part in the financial services system in Pingliang City, CCB of Pingliang branch in recent years has raised SME credit business through the adoption of organizational restructuring and increased marketing efforts. However, there are still outstanding problems like the marketing management is loose, the market positioning is inaccurate, the financing products are single, the risk identification and control is simple, the share of market is low etc. it has a very important practical significance to solve these problems and to study them in depth and theoretically in enhancing CCB SME credit business capabilities, accelerating customers’ structural adjustment, enhancing profitability and stimulating the economic and social development of Pingliang city.