Study On The Financial Service System Innovation For Small And Mid-sized Technology-based Enterprises Oriented By X Branch Of Agricultural Bank

Currently, the small and mid-sized technology-based enterprises have become one of the most active national economic subject,in the active economy, social stability and increasing employments have played an important role. However, the small and mid-sized technology-based enterprises in financing often gets neglect from Banks. For the small and mid-sized technology-based enterprises, loans from banks are the most dependent among the external financing channels and one of the important ways to ease financing difficulties. Commercial banks in China not just need to face the competition and challenge from other commercial banks in China, foreign banks are also eyeing China's credit market. Faced with severe pressure on the survival and development of commercial banks into how the comparative advantage of core competencies, to explore the characteristics of line with their own development, it is particularly important. Research on commercial banks in China for the small and medium-sized technology-based enterprises financial support, not only can relieve financing difficulties of the small and mid-sized technology-based enterprises, but also is beneficial to the development of commercial bank itself, and this have important practical significance.This paper expounded the related theories of commercial banks' financial services provided for development of small and mid-sized technology-based enterprises. Based on that, firstly, the article analyzedthe characteristics of small and mid-sized technology-based enterprises in China, main financing problems, main risk performance and financing needs in different development periods. Then, this article analyzed the present situation and existing problems of X branch's financial service system from four aspects including financial institutions, organizations,products and services,in detail, and researched the causes of the formation of these problems from three aspects including internal management, market and target customers. Finally, combining with the analysis before and the successful experiences of other commercial banks at home and abroad, four sorts of innovations including financial institutions innovation, organizations innovation, products innovation and services innovation for financial service system for small and mid-sized technology-based enterprises were put forward, systematically. In the ending, this paper put forward the safeguards and the Suggestions on the implementation of the system.