Research On The Credit Model Of Bank Of Quanzhou Technology Oriented Small And Medium-sized Enterprises

How to provide credit service for technology oriented small and medium-sized enterprises more effectively by commercial banks, has become a universal concern of government and scholars. Science and technology small and medium-sized enterprise is an organization, also has a life cycle, can be divided into the start-up period, growing period, mature period, the recession four stages. Science and technology oriented small and medium-sized enterprises generally life cycle is very short, only 3-10 years. Commercial banks in the process of providing credit service for Technology Based SMEs, the existence of science and technology type credit excessive preference in the mature period of small and medium-sized enterprises, not according to the technological SMEs life cycle characteristics of establishment of credit strategy and credit quit mechanism is not perfect and so on. In view of the above problems, this study will take the Bank of technology-based SMEs credit model and enterprise life cycle theory organic combination, the Commercial Bank of Quanzhou small and medium-sized enterprise credit model design with the help of technology oriented small and medium-sized enterprise life cycle, and further discusses the innovation and application of credit mode.This paper takes Quanzhou technology-based SMEs as an example, based on. enterprise life cycle theory of technology-based SMEs exploration of bank credit model. Firstly the concept and characteristics of science and technology type small and medium-sized enterprises are summarized, and then discusses the technology oriented small and SMEs life cycle concept, summed up in the financial demand of science and technology type in each stage of the life cycle of SMEs, the successful experience in the foundation of referring to banks at home and abroad technology Based SMEs credit mode,combining with the analysis on the current situation of credit business of Bank of Quanzhou science and technology oriented SMEs and the existing problems, put forward the credit model technology based Quanzhou commercial bank small and medium-sized enterprise design strategy, namely determining bank technology oriented small and medium-sized enterprises life cycle, different life cycle of technology-based SMEs credit orientation, different life cycle of technology-based SMEs loan pricing, improve the scientific and technological small and medium-sized enterprises credit approval process, construction technology based SMEs credit quit mechanism, establish the use of credit bank dynamic model of technology-based SMEs life cycle database, bank of technology-based SMEs credit model innovation and application, hope to play the role in order to further strengthen the innovation and management of the Bank of technology-based SMEs credit model play.