Research On The Present Situation And Countermeasures Of Small Business Financial Business In Inner Mongolia Branch Of Industrial And Commercial Bank Of China

SMEs as an important part of our national economy, in promoting China’s economic and social development plays an important role for the majority of the people in the community to provide empolyment opportunities in terms of employment and re-empolyment in China’s social and economic development solutions from active role. The financial support is important to guarantee the development of SMEs,but because of constraints and defects affected our economy and other factors of their own conditions,resulting in the financing problems are pervalent,this SME financing has caused a single,effective financing channels,there are many defects in the financing structure.As the financial industry, customers and business structure adjustment and vigorously strengthen efforts to support SME customers, while promoting national economic development, sustainable growth to achieve their own profit, but also further promote the strategic transformation of its own, to achieve a balanced and steady development focus one work. Under the premise of the current economic and social development,as the financial sector,what measures will be taken in the development of small business finance business,to solve the problem of financing small and medium enterprises is of great significance.In this paper, asymmetric information theory, the theoretical basis of credit rationing theory and relationship lending theory as a starting point, the integrated use of literature induction, research methods and mathematical statistics, case study method and qualitative analysis around the "Industrial and Commercial Bank of China, Inner Mongolia Branch of small business finance business Development "This fundamental research proposition, in-depth study of the following three questions:(1) use of data in Inner Mongolia Branch of Industrial and Commercial Bank of China at the end of2013small business loans of households, from the business scale, the quality of loans, financial services and other aspects of varieties Inner Mongolia Branch of Industrial and Commercial Bank of China business development of small business financing is analyzed;(2) combined Inner Mongolia Branch of ICBC status quo small business finance business development, analysis of the Industrial and Commercial Bank of China, Inner Mongolia Branch of small business finance business development characteristics, summarized results ICBC Inner Mongolia Branch small business financial services existing problems;(3) from the perspective of Inner Mongolia Branch of ICBC practical point of view, summarize results ICBC Inner Mongolia Branch small business financial services existing problems, drawing on domestic and foreign financial institutions basic practices and lessons learned small business financial services, the system proposes to improve Inner Mongolia Branch of Industrial and Commercial Bank of China business development of small business financial measures, provide policy advice to ICBC small business finance to achieve rapid and efficient, healthy and lasting development.