Study On SEMs Credit Besiness Strategy Of China Construction Bank

SMEs in economic growth, full employment, economic restructuring has played an increasingly important role. However, the development of SMEs has been plagued by financing problems, less financing, financing difficulties have severely restricted the further development of SMEs. Our financing situation from various financing channels can be seen. According to sources of financing for SMEs, there are points of exogenous and endogenous financing facilities. Let’s look at external financing, external financing98%of bank credit from this indirect financing channels, only2%from the direct financing stocks or bonds. In all SMEs, access to bank credit over the number of enterprises accounted for only about one-tenth, while total bank credit in the country, SMEs only get to about one fifth. Therefore, the main financing source of the vast majority of SMEs is the financing and its own funds, in general, own funds are limited, can not fully meet the needs of SMEs. It can be seen that SMEs faced with the narrow channels of direct financing and indirect financing (bank loans) a small amount, the lack of own funds difficult. If you continue to ignore the development of SME credit business will make China’s economic development is facing instability. Now both from the government and various commercial banks have to face the problem of SME credit, SME credit business to develop, attention to the reality of its financing difficulties.Based on research to build the head office, branches and provincial branches of Zhangye related documents, combined with the relevant classical theory, Zhangye Branch of China Construction Bank gains and losses in the development of SME credit business processes, as a starting point for the development of China Construction Bank branch in Zhangye concrete proposals SME credit business strategies and methods to be taken. SWOT analysis papers from the opportunities, threats, strengths, weaknesses analysis of the competitive environment in four areas in which the CCB to provide valuable suggestions for the development of China Construction Bank SME credit business, which is to study the purposes of this article, this article also appeared research value. CCB previous strategy taken to the city center, ignoring the county and rural markets, the loss of a large number of opportunities than ICBC and Agricultural Bank of the most competitive rivals, the rural market CCB serious lack of business institutions to meet the growing demand for credit in rural areas can not, such as this issue is CCB future development of SME credit business can not be ignored.Zhangye CCB credit business development of SMEs in recent years has made some achievements, but also increasingly severe challenges, the paper better development CCB provides relevant SME credit business strategy has practical significance, and studied marketing the process of risk prevention issues. Use good strategy, develop business, seize opportunities, and strive to enhance the market competitiveness of the SME credit business, CCB future based on the market’s key.