Research On Current Situation And Countermeasures Of Loan Business Of Small And Medium - Sized Enterprises In Agricultural Bank Of Ulanqabu Branch Of Agricultural Bank

Unarguably, middle and small-sized enterprises have played an important role in promoting the economic development, optimizing the economic structure, improving the state of employment and consolidating the social status. However, the insufficient amount of money which is the result of financing difficulty has been restraining the development of middle and small-sized enterprises. To improve the situation, it requires government sectors, financing institutions, social intermediaries and other muti-lateral organizations to work together. As a state-owned large-scale business bank, the agricultural bank offers support for the development of middle and small-sized enterprises, which reflects the truth of the theory of business and the way of living. It connects the business between cities and countries especially by giving service to peasants. It aims to improving the development of agriculture and the development of countries. Thus, with the prerequisite of the controllable risk, it is a top priority and one of the most realistic subjects of development for the agricultural bank in Wulanchabu to promote the development of credit business of the middle and small-sized enterprises.In the context of the underdeveloped minority area, this paper stands from the view of the agricultural bank of china in Wulanchabu, Inner Mongolia, and takes the local agricultural bank as an object of study to uncover the main problems of the development of middle and small-sized enterprises. This is followed by objectively analyzing the reasons why agricultural bank fails to provide sufficient finance for the development of these enterprises. Finally, drawing on the successful home and abroad experience on the ways of promoting the development of these enterprises, starting from the actual operation of the agricultural bank, this paper systematically proposes some relevant strategies and thought to solve the potential loan transaction problems in those enterprises.This paper connects the field research and statistic analysis method to study the agricultural bank in Wulanchabu. By following the steps of questions, solving problems and analyzing questions, hopefully, the development of loan transaction of middle and small-sized enterprises and a win-win situation in banks and enterprises can be achieved.