CCB Xingtai Credit Strategy Research For SMEs

For a long time, the small and medium-sized enterprise made great contributions in termsof employment and economic growth, but the small and medium-sized enterprise access tofinancial resources are relatively scarce, financing, especially through bank financing hasbecome a bottleneckrestricting the further development of SMEs in china.. On the other hand,with the change Chinafinancial situation, the management environment of Chinesecommercial bank isalsofacingthehitherto nknown problems: financialdisintermediation" shuntbank financing income,"interest rate marketization" Bank of profit margins continue tocompress and loan concentration higherincreasing bank credit risk, the emergence of theseissues will be on the the sustainable development of the future of commercial banks causedgreat impact. Therefore, strengthening the research on the credit of small and medium-sizedenterprises, accelerate the adjustment of credit structure, increase the proportion of SMEcredit business, both of the healthy development of bank business, or to help small andmedium-sized enterprises through the current crisis, realize the transformation of economicstructure adjustment Chinese and the mode of economic growth, has a very importantsignificance.This paper makes full use of the method of normative analysis, empirical analysis,comparative analysis and other methods, through the analysis of the current situation andreasons of bank financing of SMEs, the SME financing the status quo and significance ofaccelerating the development of the relationship between banks and enterprises, combiningtheoretical analysis ofexternal financing of small and medium sized enterprises. At the sametime, according to the characteristics of SMEs credit business, pointed out that the currentbank of development of small and medium-sized enterprises financing problems include:lackof organization for SMEcreditevaluation and incentive measures, credit approval modeshould be optimized, the lack of a reasonable scientific customer selection and credit to smalland medium enterprises pricing system,current fiscal and tax policy for business developmentlack of innovation obstacles, SMEs credit guarantee means single and small and mediumenterprises credit etc.. In view of the existing problem sinthe development of Xingtai Construction Bank, from the institutions, credit products,credit rating, the approval process,post loan management, bad treatment, performance assessment,accountability and so on eightaspects to propose the improvement ideas and concrete measures. In order to solve theproblem of financing small and medium enterprises, the financial organization tobedominated by banks through improve its mechanism, system construction, establish a setofmanagement mechanism to adapt to small business financing. First of all, to carry out theconstruction of the small and medium-sized enterprise specialized institutions, establish thereasonable setting, the small and medium-sized enterprise organizational structure andfunction to set up special SME credit marketing team and the assessment and incentivemechanism; secondly,toperfectthe SMEscredit system, improvethe SME credit approvalefficiency, optimize the approval process; third, to scientifically formulate adaptation credit,risk evaluation system of small and medium-sized enterprises, to reasonably select customersimplement risk pricing; fourth, to strengthen the post loan management, clear duty exemption,rapid write off bad assets, to avoid any menace from the "rear" business personnel; fifth, tostrengthen the innovation, taking into accountthe needs of standardization and diversity,perfect product line construction.Of course, to solve the financing difficulties of small enterprises, is a systemsengineering, to rely onCommercial Bank A is not enough. So in addition to the reform ofcommercial banks, the relevant government departments, including the national developmentand Reform Commission, Ministry of finance, people’s Bank, also should stand in promotingthe healthy development of the nationaleconomy, the height of building the harmonioussociety, provide a favorable external environment forSMEs to bank loans. Only in this way,can we solve the financing problem of small and medium-sized enterprises fundamentally, thegovernment, banks and small and medium sized enterprises "win win win", to promote thehealthy development of the national economy.