| The development of small and medium-sized enterprise (SMES) is the most active and energetic strength in a state’s economy, and it is becoming the backbone of the county’s economic development. Developing SMES business and improving its financial service is not only the requirement of BOC to implement the spirit of supporting development of country economy and fulfilling its social responsibility, and also an important strategic step to speed up BOC"s structural adjustment and promote business development healthily. This year, BOC promotes credit business of SMES strongly, checking and approving added credit, and configuring business promoting expenses specially, to best satisfy the funds needs of SMES. Actively implementing the branch’s work requirements of "unshakable intensify expanding SMES". practicing the branch transformation through "high-quality branch construction of SMES", developing the branch through "SME partnership plan" promoting resource redistribution and recycle through "optimize year review process of total amount". BOC builds business promoting atmosphere of doing big and doing best across the country.To better serve the local small and medium-sized customers, and further enhance BOC’s service to SEMS, BOC-shuangliu branch implements several policy, positively responding local government and banking board’s call, promoting SME financial services, effectively ease the SME’ financing difficulties, helping SME becoming big and strong and being the best partner of SME from the source, the scale and innovation. Since2008, BOC implemented credit business "factory’ operation learning Singapore’s temasek mode to achieve the goal of scaling, fining and processing of SMES to improve the efficiency and quality of financial services.The so-called "Credit Factory", refers to the bank as a standardized product Factory to batch processing Credit business. Specifically, it refers to the bank operates SMES’credit design, declaration, approving, issuing and risk controlling according to "line" mode, divide the management process into finding the customer sources, determine the target customer, the customer on-site investigation and data collection, credit proposal, loan approval, issuance, post-loan management and year review, set the position according to business process, streamline, factor operation, has played a good promoting effect.Bank of China-shuangliu branch located in chengdu plain, located in the core region of tianfu new area-shuangliu, the deposit and lending of it both breakthrough billions mark, and it is the only branch which directly under the management of Si Chuan branch. Shuangliu is an area of1032square kilometers, which has18towns,6streets, and has a population of942000. County economic strength ranks the top ten of the province for17years, and country economic competitiveness ranking jumped to18th in the top100countries.In2012, there were1162newly registered private enterprises and9390registered private enterprises cross the country; there were5953new registered individual industrial and commercial households and41240registered. The amount of private economy amounted to43.66billion, second in chengdu. Economic added value of completed amounted to32.635billion yuan, ranking first in the city, and shuangliu was one of the only two cities whose amounts of private economy break through40billion.In recent years, shuangliu seized the opportunity that our country implemented a new round of western exploitation and Si Chuan tianfu new area exploitation, and seriously implemented the chengdu municipal committee of the "leading development, scientific development, the sound and rapid development, and strive to build a core growth pole" western economy overall orientation, meanwhile promoted the new industrialization, urbanization and agricultural modernization, and builded with emphasis on the solar energy, nuclear energy, wind energy these new energy equipment manufacturing and electronic information as the core of material chain and airport service and manufacturing repair "three big billion industry cluster’; shuangliu actively expanded other advanced manufacturing industry, preliminarily constructed a country which set an example to other countries.2013is a key year to the implementation of the "twelfth five-year" plan. BOC-shuangliu branch undertakes the responsibility of continuing supporting economic transformation under the correct leadership, and continuously intensifies supporting for small micro enterprise. Through the preliminary understanding, Shuangliu has the basic factors of business development, and the author is now investigating setting up small and medium-sized enterprise loan’secondary credit factory’.The bank of China head office manages "credit factory" differently. in principle, only in the primary branch sets the level of "credit factory" and sets the secondary "credit factory" in the area which has a relatively developed economy, or has a high social credibility or whose allocation of resources meet the requirements. BOC-shuangliu branch will do well on the preparation of construction of the system combined Shuangliu local SME credit business characteristics and credit management requirements. BOC-shuangliu branch will develop an effective risk prevention measures. Risk control is the key to sustainable development of SMES, and risk management goal is not to eliminate risk, but through active risk management process to achieve the balance of risks and benefits. In Development of small and medium-sized enterprise business process, we should conduct the credit culture of substance over form", take the customer as the center, implement differentiation rate pricing, optimize the structure of the customer, strengthen customer base, expand the scope of the new model replication, establish marketing channels, and fully open small business service window, broaden the financing channels of small and medium-sized enterprises, take advantage of our bank of international settlement and other products, improve service levels, meet the demand of outstanding small and medium-sized enterprise financial services. According to the survey, the shuangliu branch of small and medium-sized enterprise business development and risk management control level meets the requirements, we can set"credit factory" in the bank.In this paper, chapter1introduces the research background, purpose and significance, also the research situation of domestic and foreign scholars on the subject; Chapter2mainly introduces the shuangliu economic development situation and level, it is concluded the suitable degree to carry out the small and medium-sized enterprise business; Chapter3analyzes the opportunity of shuangliu SMES; Chapter4introduces the shuangliu small and medium-sized enterprise development present situation and the main measures taken by it to speed up the development of small and medium-sized enterprises; the fifth chapter gives us plan through the problems existing in the development; The sixth chapter, on the basis of the above, put forward measures and solutions in the analysis of the advantages and disadvantages of the regional development of small and medium-sized enterprise business analysis; Chapter7comprehensively demonstrates the feasibility and necessity of the bank of China setting up the "secondary" credit factory in shuangliu, also it gives us the methods to protect risk and improve the credit quality; Chapter8is the summary, which pointes out the innovations and shortcomings.The innovation of this article is to stand in the angle of the bank, and the author participated in the project. Through the case design of the shuangliu regional SMES credit market, and through BOC supporting for SMES in shuangliu research, the author combines the practical work and theoretical, which can help other financial institutions analyzing the market situation of certain area, and plays a role of reference.The deficiency of this paper is that description is too much because of work, and innovation of evaluation methods is not very good, so the index system needs to be optimized and innovated. |
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