Competition Strategy Research Of BOC Yantai Branch Of Small And Medium-sized Enterprise Credit Business

China’s large number of small and medium enterprises, scattered in various regions and industries, in promoting the development of the national economy, to narrow the gap between urban and rural areas, increase taxes, increase the rate of employment plays an important role is a real participant of market competition. But due to various reasons, including small and medium-sized enterprises and commercial bank credit policy and other reasons, small and medium-sized enterprises to obtain financial support for small, small and medium-sized enterprise financing difficult problem has become increasingly prominent. From the perspective of commercial banks, with the continuous development of modern financial industry, the competition between banks increasingly fierce. To cope with the competition, looking for new profit growth point, the commercial banks should actively change the existing credit structure, the development of SME credit business. Yantai Branch, Bank of China as one of the four major state-owned banks in Yantai area, dating back has set up more than 100 years, has a long history, to Yantai local economy made a great contribution, but the total assets and total profits are Bureau of the four bottom line, even by other commercial banks exceed the risk. The main reason for the big barrier phenomenon serious. At present China Overall Corporation Yantai branch of the bank credit balance of about 30 billion yuan, while only 3 billion of the credit balance of small and medium-sized enterprises, large enterprises strong bargaining power greatly reduced the profits of banks. Whether the rapid development of the tuition for small and medium-sized business has become the bank to quickly boost profits, expand market share of determinants. Therefore, this paper to Yantai Branch, Bank of China, for example, studies the small and medium-sized enterprise credit business competition strategy.The five chapter studied the credit business of small and medium-sized enterprises, the specific contents are as follows:the first chapter is the introduction, mainly introduces the research background, significance, ideas and innovation; the second chapter mainly combs the competition strategy related theory; the third chapter analyzes the China Yantai branch of the bank’s internal and external environment through comprehensive analysis; the fourth chapter analyzes the internal and external situation of Yantai bank, Yantai Bank of China that is suitable for small and medium-sized enterprises credit business competitive strategy; the fifth chapter put forward the measures to ensure the implementation of the strategy, optimize the credit mechanism of credit business, including business philosophy of small and medium-sized enterprises, the adjustment of marketing system.Through to Yantai Branch of the external environment and internal resources ability analysis, that the poor dissimilation strategy for the competition strategy of SME credit business in Yantai Branch, Bank of China, and puts forward the specific measures to protect, but also provide reference for other commercial banks and the SMEs credit business.