SME Financial Services Research For MinSheng Bank Hangzhou Branch

Of national economic development and social progress in our country, small and medium-sized enterprises (smes) play an important role, therefore, to ensure the development of small and medium-sized enterprises, is beneficial to maintain the steady development of national economy in our country, is also the important guarantee of maintaining social stability.Current accounting for real groups of small and medium enterprises in more than99%of the total number of enterprises generally face difficulties in financing, labor shortage and high cost problems. Since2010, the central bank raised the bank reserve ratio several times, the CBRC constantly improve standards for the supervision of banking risks, ongoing interest rate market. In this financial environment, how to solve the problem of financing SMEs in the risk control situation became major banks pressing problem.Carry out the earlier financial services for SMEs as domestic commercial banks, the the MS Bank’s SME financial services has gone through more than10years, and has accumulated rich experience, there are some failings. MS Bank for the study, to study the problems of its SME financial services, has a good reference related to the use of other domestic commercial banks have been carrying out financial services for SMEs. This article focuses on describing the the MS SMEs ad hoc financial services program, indicating the importance of the ad hoc financial services products through a large number of financing case.To reveal the financial services in the increasingly competitive financial environment still maintain leading position, must understand exactly the change of the demand for financing small and medium-sized enterprises, promote the improvement of the small and medium-sized enterprise financial service system. According to carding MS bank financial service system of small and medium-sized enterprises, especially the study of its existing problems, put forward Suggestions for improvement, so as to other commercial Banks to carry out the national small and medium-sized enterprises provide beneficial reference to financial services, and to ease the financing difficulties of small and medium-sized enterprises problem provides new train of thought.