Research On The Credit Business Development Strategy About Bank Of China Dingbian County Branch Of Small And Medium Sized Enterprises

In March 11, 2014, China Banking Regulatory Commission Chairman Shang Fulin said in the "financial reform and development" answering a reporter’s question, the development requirements of SME credit will continue to adhere to the "two no less than" the commercial banks, namely "lending rate not less than the full loan growth, increase of not less than last year". In recent years, many departments jointly issued the relevant policies to support the development of SMEs, alleviate the pressure for the small and medium-sized enterprise tax, government and regulatory efforts for the development of small and medium-sized enterprises financing to build a platform, urging banks to speed up the development of SMEs credit business, visible from the national macro to support small and medium enterprises. To study and solve the credit financing problem of small and medium-sized enterprises in our country, to promote the healthy development of small and medium-sized enterprises, to promote the reform of China’s financial system, the stable overall employment, realize the stable development of China’s economy, has important significance to the construction of harmonious society.The Bank of China branch in Dingbian credit business development strategy as the research object, starting from the analysis of the Bank of China branch of Dingbian SME credit business development status and existing problems, through the use of management science, sociology, finance, statistics and other aspects of knowledge, the Bank of China branch of Dingbian SME credit business development situation and the local industry, especially compared with the current situation of the development of SMEs credit business of Construction Bank, with learning advanced experience, weaknesses and put forward some suggestions to improve the Bank of China branch of Dingbian SME credit business, and put forward the feasibility of development strategies and safeguard measures for the development of the credit business of Bank of China branch of Dingbian small and medium sized enterprises. Through this study, a development of bank credit business of small and medium-sized enterprises of Dingbian branch, on the other hand, through the study of the indirect support of county economic development area.