Research On Quan Zhou Commercial Bank About Small And Medium-sized Credit Enterprise Credit

With the changes in the pattern of the world economy,the environmentfor the business of commercial banks are facing constant changes.Theintroduction of interest-rate market-oriented has made the profits margin ofcommercial banks being squeezed and the high loan centralization increasesthe credit loan risks,which would bring unprecedented challenges for thesustainable development of commercial banks.Small and medium-sized enterprises(SMEs) are playing a more andmore important role for nation economy whether in developed countries ordeveloping countries.SMEs have played an irreplaceable role in industrycluster development, export,increment employment,and science andtechnology development.Now credit financial is the most important way forsmall and medium-sized enterprises to collect money.As is indicated in bothhome and abroad,commercial banks and some finance institutes are themain fund-suppliers for SMEs，whose credit market is regarded as a newmarket for China’s commercial banks.Whether they can keep advantages infuture competitions depends on how they can develop this marketeffectively.Commercial banks have various risks,as for credit risk,becauseof the unique characteristics of SMEs,making it more difficult to control thecredit risk of SMEs.Strengthening SME credit risk management,not onlyeases the money restrictions in company developments,but also the safety ofbank funds.Therefore,this study is of great important theoretical andpractical significance.Based on Quan Zhou commercial bank, this paper points the profileand characteristics of the SMEs in Quanzhou and explains current situationsof their credit market.Giving the reasons for financing difficulties ofSMEs,this paper lists both advantages and disadvantages for developing credit market.At the basis of analysis and summary,this paper givescorresponding strategies and suggestions by setting Taizhou commercialbank as an living example.