The Difference Of The Chinese Commercial Banks To Small And Medium-sized Enterprise Credit Financing Strategy Research

Along with our country social economy development, small and medium-sized enterprises the important role and status of the increasingly prominent, small and medium-sized enterprise financing problem has received extensive attention of social from all walks of life, and the commercial bank loans for small and medium-sized enterprise development an important source of funds, to provide credit to small and medium-sized enterprise reasonable, which is of great significance to solve the small and medium-sized enterprise financing problems. Therefore, commercial Banks must establish a scientific credit risk management mechanism, it is not only beneficial to better provide small and medium enterprises financial support, but also to alleviate the current commercial bank profit margins shrink pressure, promote the healthy development of commercial Banks. According to different small and medium-sized enterprises, formulate business alienation of bank credit management policy, not only can meet the financial needs of different enterprises, and improve the ability of the bank credit risk management, so as to realize the fact the development of win-win situation. Based on this, to strengthen the commercial Banks to small and medium-sized enterprise financing the differentiation strategy of research is necessary.In recent years, in the face of each big commercial bank for small and medium-sized enterprise credit business, China merchants bank in small and medium-sized enterprise credit business sectors, also to strengthen the business management and development. In combination with the practical situation of the small and medium-sized enterprise credit financing work, establish and perfect the small and medium-sized enterprise credit work related management system, and further develop the bank's business development goals and development strategies in this field, in order to improve the bank's financial market in small and medium enterprises financing business scale, thus improve the China merchants bank, the overall market competitive strength.Combining with the own work practice, China merchants bank, for example, based on the perspective of commercial bank, to our country commercial Banks to small and medium-sized enterprise financing differences and differentiation strategy were discussed. The full text is divided into seven chapters: the first chapter, this selected topic background, significance and overview of the domestic related research literature. The second chapter, explains the relevant concepts in this paper, the theory, laying a theoretical basis for study of this article; The third chapter, the current status, difficulties of small and medium-sized enterprise financing analysis; The fourth part, China merchants bank, for example, on the bank information on the development of small and medium-sized enterprise credit business overview, summarizes the small and medium-sized enterprise credit risk faced by the business process, customer contribution difference, industry differences and regional differences; The fifth chapter, in view of China merchants bank, small and medium-sized enterprise credit business to carry out the process of difference, analyzes the main problems of the small and medium-sized enterprise credit business management; The sixth chapter, in the previous theory, the present situation, problem analysis and discusses, on the basis of differentiation strategy management advice for problems, respectively on differentiation, customer credit risk contribution differentiation, differentiation and region differentiation, this paper expounds the differentiation strategy recommendations. The seventh chapter, conclusion and outlook. Through the study of this article, I hope on the current our country commercial bank financing of small and medium-sized enterprises credit risk management of some enlightenment and help.