Industrial And Commercial Bank Of Dezhou Branch Of Small And Medium-sized Enterprise Credit Woes Research

Along with China’s economic development, enormous quantity wide of smallbusinesses are widely participate in market competition, not only promote thedevelopment of the market forces playan essential role in resource allocation, forestablishing and perfecting socialist market economic system has played an important role.In recent years, the government continuously promote the development of smallbusinesses and imposed on the solution to financing problems of small business andopinion, greatly promotes the development of small businesses. Although small businessloans increased in recent years, but still is difficult to meet the financing needs of smallbusinesses. Based on the county development and present situation of financing for smallbusinesses, will be encountered in the development of small business financingpredicament to study not only has a certain historical significance, and small businessfinancing dilemma from the Banks aspects, and also has a certain practical significance.In this paper, through the study of the current industrial and commercial bank forsmall business credit management philosophy, especially the marketing thinking andmarketing system, and according to the current situation of the industrial and commercialbank branch small-business loans at the grass-roots level, from small enterprise financingmode of industrial and commercial bank of underdeveloped areas is put forward fordezhou (for example), methods to promote small business development and financing.This article from the perspective of industrial and commercial bank, with the industrialand commercial bank branch at the grass-roots level to the small business loan pattern,loan management analysis, and analyzing the present situation and problems of smallbusiness, fully recognize the small-business loans yield is higher, is conducive to spreadrisk, optimize the credit structure, so the bank should lend to small businesses to yield,quality and social image, and the small business loan related issues for further detailedresearch, as well as the problems of industrial and commercial bank of careful analysis,and market situation of the planning development strategy, looking for accurate direction,clear goal task, vigorously promotes the work carries out, the industrial and commercialbank especially grass-roots branches for small business credit research one step further.