Study On The Commercial Innovation Of Small And Medium-sized Enterprises’ Financing For CMBA Central Sub-branch

As one of the most important financial institutions in the national economy,commercial banks have the ability of adjusting economic and financial services. However,with the development of economy, the business management environment of industrial andcommercial enterprises are becoming more and more complex. Business competitionsbetween banks are becoming more and more severe either. At the same time, with theaccelerating process of financial disintermediation and interest rate marketization,commercial banks begin to face a new financial forma and challenges, in which situation,speeding up the adjustment of credit structure and medium size enterprise credit businessbecome the strategic choice of against future financial situation changes. For the smallbusiness terms, although they play an important role in the national economy, for theparticularly of its own,result in the competitive disadvantage of obtain commercial bankloan compared with the large enterprise.We take CMBA central sub-branch as the object of this research. Firstly, we start fromthe problem and situation of central sub-branch developing credit business, analyzing thereason of rejecting central sub branch developing credit business, including bank andcompany information asymmetric. Result says that small and medium sized enterprises arehard to meet the requirement of credit evaluation and collateral requirements, the bank hasa high cost and a weak risk pricing power, either. The problem such as independentaccounting mechanism advancing slowly, and the lack of assessment of incentivemechanism, all of those problems would impact the CMBC central sub branch for smalland medium sized enterprises development of the credit business. Secondly, this paperanalyzes some famous commercial banks at home and abroad to support small and mediumsized enterprises for developing finance business. This paper summarizes the setting upand adjust about commercial banks to build a special small and medium sized enterpriseloan department and management department, the choice of customer group and location, strive to the principle of take the customer as the key problem, the risk assessment and thesetting up of control mechanism, and strive to the support of the government and otherbusiness success experience. Finally, by using the successful experience of domestic andoverseas banks, and take their own characteristics as the basic of this study, this paper putforward some countermeasures and suggestions including the management idea innovation,risk management innovation, customer manager innovation, loans innovation, and financialproducts innovation improve the situation of this bank.