Research On The Optimization Of Financing Service For Small And) Medium Enterprises In Lanzhou Bank

In recent years, the Lanzhou bank is the first of Gansu province with an independent legal personality of the local joint-stock commercial banks, the establishment of the initial positioning for small and medium enterprises, service people, service private enterprises, local economic development, in order to adapt to the continuous development of the market economy, Lanzhou banks are gradually improving their market positioning, and actively practice inclusive finance concept, continue to accelerate innovation, transformation, and to create a difference in the three agricultural and internet. Although the Bank of Lanzhou about 80% of the investment in small and medium enterprise customers, but in recent years the risk of credit default, exposure to the bank’s own personnel quality is not complete(such as the overall low level of investigation,innovative ideas, intensive marketing and service division of the deep), business line management is not perfect(such as credit business pricing confusion, the low level of credit approval, credit approval efficiency is low) and new business development and expansion of new business development and expansion.This paper analyzes the main problems encountered during the financing process of small and medium-sized enterprises and the causes of the main problems with the actual situation of Lanzhou bank, and puts forward the improvement measures for the development of Lanzhou bank in Lanzhou.