| The issue of SME financing has always been the main concern of the government and the banking industry. In the background of interest rate marketization, financial disintermediation and the increased competition in the interbank market, the profit margin and living space of the banking industry suffers from double squeeze. As a vital tool to optimize customer structure, transform business structure, confront the challenge from interest marketization and financial disintermediation, SME credit business has become a crucial point and countermeasure against competition for commercial banks, thus obtained the unprecedented development. However, the shortage, insufficiency and risks of SME lending service has been old problems troubled financial practitioners. Internet Finance has come into people’s horizons since 2012, and now it becomes one of the top words in China’s financial industry. At the age of internet, how to use internet to raise the level of risk management, how to increase the efficiency of SME lending service, how to join finance and internet together,has become the breakthrough point for competition.This paper take SME lending business of CITIC bank as the object of study in the context of SME lacks of financial support and internet finance booming. The author analyze the cause of the slow development of the CITIC bank’s SME lending business and propose optimum proposal based on internet technology.The paper mainly introduces CITIC bank SME loan business. The author firstly give a brief introduction and reveal the exist problems of the SME lending business in CITIC bank and find that lag in technology is the main reason that seriously restrict the development of SME lending business based on asymmetric information theory. The exist problems are embodied in the seven aspect, including product, marketing, service, post-lending management, work flow, risk management,operation system. These problems reveal the fact that lag in technology would make the customer unsatisfied, low efficiency and increase the risk and cost, which pave the way for the strategy research for latter parts.Then the author analyzes the advantage of the Internet Finance and take the example of E-Financier to learn its advanced experience. This paper takes a brand new perspective in thestudy of SME lending business in commercial bank. After a comprehensive analysis on the advantage of the application of Internet Finance in the filed of SME lending business, the author focus the internet financial system E-Financier and conduct a research on it from the the aspect of development, risk management traits and practical experience. This paper points out that the advantage of E-Financier lies in the effective application of the internet technology in the SME loan management, which forms the foundation of the optimum strategy research.Then the author targets the exist 7 problems and raise improvement measures based on.The First measure is to raise the level of the financial product design. The second measure is to realize precise marketing by cultivating customer’s behavior. Thirdly, to improve customer service by using multiple technological measures. Forth, to improve customer loyalty by improving post-lending management. Fifth, to increase efficiency by optimize the SME lending procedure. Sixth, to enhance risk data management bases by using internet and big data technology. Seventh, to raise efficiency of the transaction processing by establish the loaning operational system.This paper aims to explore a path of development for SME lending business with CITIC characteristic through taking a new perspective in the era of the “new normal”, in order to break out the bottleneck, rise up the ability and efficiency of customer service, and speed up SME loaning business development. This paper is also helpful for the related research by the other commercial banks. Besides, it also has important meanings in improving the financing environment and promote sound developing environment of SME. |
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