Research On Operational Problems Of The Credit Factory Model Of Gansu Branch Of The Bank Of China

It is an obligation to fulfill the social responsibility, an opportunity to expand the business and the practical requirements for Gansu branch of the Bank of China to to solve the financing problem of SMEs.The credit factory model of Gansu branch of the Bank of China has gained Some achievements, but has some problems. Analysising these problems and their causes, and finding the solution has very important significance.It is conducive to promote small and medium-sized business development, realize the maximization of enterprise value, to better fulfill the social responsibility of enterprises, to promote the development of small and medium enterprises in Gansu, To promote the urbanization and the development of local economy.The paper analyzed the problems of the credit factory model, Industry concentration of credit customers is too high, business is of imbalance in regional development, business scope is very little, risk management quality is not high.The paper analyzed the causes of these problems, The development of SMEs is in poor external environment in Gansu, Stage financing demand is insufficient, The lower approval authority and the old frame is lack of competitiveness.The paper put forward the corresponding management measures, improve marketing channels and management system is necessary, The enterprise must improve the professional level of employees, enrich the means of risk management, strengthening the financial supply chain thought, promote product innovation, the construction of good credit culture.