A Study On The Financial Service Of Hebei Province Rural Credit Ooperatives For Small And Medium-sizde Enterprises

With the deepening of the reform and opening up in China, the small and medium-sized enterprises have developed rapidly and become an important force to boost the growth of national economy in modern socialist market economy in China. Medium-sized enterprises play a very important role in stabilizing the national economy and local finance and promote job opportunity to the stability of the society. In recent years, they have made great progress under the series of supporting instruction regulations. The Rural Credit Cooperative of Hebei is main force in rural financial market to enhance the financial services for small and medium-sized enterprises all the time. However, there are still some financial problems among the small and medium-sized enterprise under the current complex economic and financial situation. We should focus on how to further optimize the financial services for small and medium-sized enterprise to promote their economic development.This research scholars at home and abroad on the basis of fully considering the reality of Hebei Rural Credit Cooperatives, from the theoretical concept of small business financial services, and points out that small and medium-sized enterprise financial services not only equal to small and medium-sized enterprise loan, small and medium-sized enterprise financial services to customer oriented, rose to the height of the "comprehensive financial services". Secondly, it analyzes and summarizes the current situation of small and medium-sized enterprise financial services of rural credit cooperatives in Hebei province, points out the main problems and the causes. Once again it analyzes the experience of its institutions, better support for small and medium-sized enterprises from other provinces, and draw inspiration. Finally, standing on the perspective of provincial association, the author offers overall countermeasures for Rural Credit Cooperatives to strengthen financial services to the small and medium-sized enterprise. We have to deepen the reform of the relationship among counties, cities and county and the relationship between property rights. Overall strategic planning should be proceeded to determine the development goals. And we need to reshape the organizational structure in order to establish customer-focused business philosophy and puts forward suggestions on how to optimize the external environment. We look forward to provide useful suggestions to Hebei Rural Credit Cooperatives for better financial services to small and medium-sized enterprises through the study.