The Business Implementation Plan Designing For Tianjin Jincheng Bank To Help Technology-Based Small And Medium-Sized Enterprises’ Development

With the growing economy in China, small and medium-sized enterprises(SMES), especially the technology-based small and medium-sized enterprises, are playing a more and more important role in national economy. Because of the short construction period, flexible decision-making system and the low administration cost, high efficiency of innovation, technology-based SMES can adapt to the market demand quickly. All the characteristics make it possible for technology-based SMES to become a vital part in promoting China’s economic transformation. But in the aspect of its small scale, management mechanism, financial system and the power of fighting market risk, technology-based SMES present a weak performance. What’s more, intellectual property is difficult to assess, the collateral is lacking, and technology-based SMES is facing a lot of difficulties in financing. So, how to break through the “bottleneck” is an urgent problem to be solved.In the first half of 2014, the China Banking Regulatory Commission(CBRC) approved three private banks began to build. The unique property right structure of private banks is regarded as an important force to solve the financing problems of technology-based SMES. Jin Cheng Bank aims at businesses rather than individuals. As the newly built private bank, Jin Cheng Bank is based on private capital and owns a unique capital structure. With all the strong points, Jin Cheng Bank has the ability to build up their strength and make a competitive advantage with the large banks. In conclusion, it’s promising for Jin Cheng Bank to solve the Tianjin technology-based SMES’ financing problems.By analyzing the financial situation of Tianjin technology-based SMES and the business pattern of Jin Cheng bank, the purpose of this paper is to design credit products which accord with the character of technology-based SMES and the bank. Firstly, this paper introduces the situation of Tianjin technology-based SMES, then analyses the financing status. The results showed that with The internal and external factors, these technology-based SMES are facing a large financing gap. At the meantime, elaborate the basic situation and main businesses of Jin Cheng Bank and then use the method of SWOT to analyze the advantages and disadvantages of the bank in order to propose a feasible strategy. On the basis of the previous research, designs the implementation plans for Jincheng bank in order to support technology-based SMES, including governing principles designing, business process designing, mechanism designing and product designing. Lastly, put forward the risk management measures and the evaluation mechanism.