Research On Small Business Credit Business Of The Joint-stock Banks

The joint-stock banks in recent years, such as bamboo shoots after a spring rain continuous development, the formation of intense competition. In the traditional business of joint-stock banks is difficult to fight with the old state-owned banks, must embark on a different road to break, the small and medium-sized enterprise credit field, opening the way to break through. With the development of our national economy, small and medium-sized enterprises in China’s economic development and promote social stability is more and more strong, but due to the small and medium-sized enterprises and large enterprises especially large state-owned enterprises compared with the innate weakness, although China’s currency the total record amount of days and even flow of flood risk, for small businesses financing the difficult problem is increasingly serious, serious damage to our country’s economic vitality, and even affect the stability of the whole society. The small and medium-sized enterprise credit for the joint-stock bank business to break open a road, to the small and medium-sized joint-stock banks, this is a crisis and challenges of the times, we must embark on a different road of the breakthrough, has a natural disadvantage state-owned bank credit business of small and medium-sized enterprises, small and medium-sized joint-stock banks should know yourself as well as the enemy situation see the current competition in the banking sector and the current economic situation, make good use of its own advantages, challenges, recognize their own small business credit business has the advantage of facing and countermeasures, open a breakthrough development of effective way in the future rise in.This paper from China’s current overall banking environment, discussed the current situation of the development of small and medium-sized banks, at the same time, the industrial bank as an example, using the SWOT method of the industrial bank small business credit business strengths, weaknesses, opportunities and threats analysis, research shows that the main advantages of the development of the small loan business of the industrial bank enterprises in the development model, the size of credit, marketing platform and product characteristics, relatively speaking, the disadvantages existed in fewer outlets, product coverage is not balanced, rigid pricing mode, personnel quality and management level need to be improved and so on, in the face of strong support, favorable external policy environment and the internal bank and market huge opportunities and fierce competition in the market, small business risk is difficult to control, strict supervision and other business development threats.As a representative of the joint-stock banks Societe Generale Bank, a joint-stock bank small business credit business common development, small and medium-sized joint-stock banks can vigorously develop small and medium-sized enterprises to develop their own customer focus, on the one hand can make itself bigger and stronger vision, the SME credit business is an effective breakthrough of small and medium-sized joint-stock banks the road; on the other hand, can help China to solve the problem of financing small and medium enterprises, to get rid of a major obstacle to hinder the economic development of our country, provide blood for the small and medium-sized enterprises in China, the contribution of SMEs to the benign development of a force, but also promote the improvement of China’s economic structure and promote the the sustainable and stable development of economy. The shares of loans for small enterprises should adopt the SO strategy analysis, seize the opportunity of policy, the use of credit resources, with the help of the platform and innovative credit products advanced, not actively explore the small business credit market, to meet customer demand at the same time, deep customer resources, make full use of internal and external favorable development opportunities, more effective and comprehensive to play their own advantages, to seek greater development of the small business credit business.At the same time, the author draw lessons from foreign developed country credit in small and medium enterprises on the issue of efforts, including the organization construction, the construction of legal system, organizational structure, business processes, credit products and wind control system and other aspects of the experience, try from two aspects of the head office and management mechanism, puts forward the improvement plan from the aspects of ideological understanding, development strategy and the organizational structure, business process, business channels, innovative services and support, through the optimization of the financial service system of small enterprises, the small joint-stock enterprises more competitive in the market.