Research On The Development Of SMEs Credit Business Of XX Bank Zhengzhou Branch

Small and medium-sized enterprises are an important part of the national economy, and play an important and irreplaceable role in the process of economic structure transformation in our country. However, due to the influence of various factors, small and medium-sized enterprises is often difficult to obtain financial resources. These companies are facing financing problems, and the financing difficulties have not been solved effectively. For commercial banks, as the change of financial situation, competition between banks has become more and more vehement. Thus, to fight against future financial changes, speeding up the credit structure modification and vigorously developing of small and medium-sized enterprises credit business has become the strategic choice of Zhengzhou branch office of XX bank.To study the credit business of small and medium-sized enterprise of Zhengzhou branch office of XX bank, and to provide realistic proposals, this thesis expounds the current situation of Henan small and medium-sized enterprise credit business development and the necessity of Zhengzhou branch office of XX bank engaging financing mall and medium-sized enterprise, then deeply analyzes the lack of attention of such banks for small and medium-sized enterprise credit business, the imperfection during the process of risk control administration, the lack of innovation of credit business product, the asymmetric information between banks and companies, the restriction of business cooperation channel, lack of sound staff incentive and restriction system etc. From the perspective of a clear focus on the direction of the small and medium-sized enterprise credit business development, we propose to optimize the credit business process, strengthen the small and medium-sized enterprise credit risk management, research and development of innovative financial products, help the current situation of asymmetric information, create people-oriented culture risk consciousness and the professional credit management, thus hopeing to enhance the competitiveness of Zhengzhou branch office of XX bank in the small and medium-sized enterprise credit business market,and bringing this business to a new height.