Study On Development Strategy Of Small And Medium Enterprises Credit Business Of XY Bank Hangzhou Branch

Recently, the market economy development in our country is very fast, the small and medium-sized enterprise has is a very important part of our national economy, it is in China’s economic development and promote employment plays a big role, made a great contribution. But due to the complex economic situation at home and abroad, many small and medium enterprises is still severely limited financing difficulties, lack of funds and other conditions, the further development of enterprises is very difficult, the sustainable development has become a mere scrap of paper; in addition, between our country commercial bank competition is very fierce, the mode of financing of large enterprises continue to increase, the SME credit business has commercial banks especially joint-stock commercial banks fierce fight for profit growth point.This thesis as the background, the development strategy in Hangzhou branch of XY bank SME credit business as the research object, in order to improve branch of good development of SME credit business as the goal, to the small and medium-sized enterprise development strategy of Hangzhou branch of XY bank credit business of the meticulous research. First of all, a detailed analysis of the external macro environment and the competitive environment faced by the development of SME credit business of XY bank Hangzhou branch; then, in detail elaborated the current situation of the development of small business of Hangzhou branch of XY bank credit business, and the use of SWOT analysis method, analyzes the advantages and disadvantages, facing the development of SME credit business of XY bank Hangzhou branch the external opportunities and threats; finally, aiming at how to further improve the Hangzhou branch of XY bank SME credit business, put forward the corresponding suggestion.The research show that, XY bank Hangzhou branch of the SME credit business development the main advantage in the marketing mode, marketing platform, credit resource and credit products, relatively speaking, its disadvantages mainly exists in the network construction and less, business area development and product coverage is not balanced, the pricing model is not flexible, the management level and the quality of personnel to improve other aspects, vigorously support, in the face of favorable policy environment and general branch of the huge market size and other external opportunities, the aggravation of the market competition, the small and medium-sized enterprise uneven, some good and some bad cause external threat risk hard to control, the relevant supervision becomes more and more strict is still the future business development. The strategy of the development of a full range of SMEs credit business of XY bank Hangzhou branch. At the same time, we should constantly improve the understanding of the development of SME credit business importance, develop effective resource allocation policy and examination methods, to improve the credit business process continuously, strengthen risk management awareness, to promote the smooth implementation of development should be sent to take the market expansion, product mix, differential pricing, diversification, the small and medium-sized enterprise guarantee credit customer classification management, joint marketing and cross marketing, service and brand and risk management of the whole development strategy.This paper not only discusses the theory, but also closely linked to the small and medium-sized enterprise of Hangzhou branch of XY bank credit business and the local small and medium-sized enterprise development situation, explore a full range of development strategy, not only for the Hangzhou branch of XY bank SME credit business development for the correct guidance, but also a reference for the breakthrough our country small and medium-sized enterprise financing difficult to provide.