Analysis On SME Financing Business Development Of ZS Bank Jinan Branch

With the opening up of China economy, foreign financial institutions have come into our country, small and medium-sized banks enterprises are facing increasingly fierce competition environment, the traditional Bang small-sized apartment management mode has been difficult to maintain in the small commercial bank profit growth. On the other hand, the small and medium-sized enterprise has been an important driving force in China’s economic development, is an important part of market economy, to support economic growth, maintain social stability and development aspects occupies an increasingly important position; but the development of small and medium-sized enterprises objectively also faces many unfavorable factors, the problem of financing which is considered the biggest obstacle for its development the specific performance, to be entered into less financing channels, the existing credit system can provide support for the serious weakness. Because of the small and medium-sized enterprises are at a disadvantage in asset size, level of management, system security, the fight against market environment and other aspects, and the traditional bank credit assessment, risk assessment and very difficult to fit, lead to small and medium-sized enterprises through the traditional way to the bank financing will encounter the approval time is long, low bargaining power,higher change rate, leading to small and medium enterprises indirect the road of financing more difficult. In this context, the author thinks, to speed up the pace, the financial product innovation of traditional loans to carry out strategic adjustment is the development direction of the reform of small and medium commercial banks, especially the more for small and medium-sized enterprises to provide financing to meet the innovative way of efficiency, safety requirements, which can response to the national call policies, and in line with the development needs of small and medium sized commercial banks own.This paper aims at the analysis through to our country small and medium-sized enterprise financing difficult reason, combined with the actual situation of ZS bank Ji’nan branch and case study on financing services for the development of small and medium-sized enterprises, analysis shows that there is in financing of small and medium-sized enterprises the bank’s problems, and compared the foreign financial institutions in the small and medium-sized enterprise financing business initiatives,through the combination of theory and practice, discuss the solution to solve the financing difficulties, and finally puts forward the reasonable suggestions for future bank in the small and medium-sized enterprise financing business development.