Analysis On SME Financing Business Development Of GS Bank Xinyang Branch

As a new growth point of China's national economy,small and medium-sized enterprises play an important role in increasing the number of employees and creating wealth for the society.However,because of its small size,human,financial and material resources are relatively limited,coupled with information asymmetry and other external environmental constraints,the problem of financing has not been solved well.The problem seriously restricts the development of small and medium-sized enterprises.On the other hand,with the intensification of the global economic integration,more and more foreign banks and financial institutions have entered into china.In this context,how to better develop the SME financing business has become the focus of commercial banks.This paper used the literature reading method,specification and quantitative analysis method to analyze the importance of the financing situation of SMEs in China and the development of small and medium-sized enterprises bank financing business.These analyses lay a good foundation for the following analysis of GS bank Xinyang branch to develop SME financing business.By means of questionnaires and interviews,in-depth analysis of GS bank Xinyang branch of the development of SME financing business of commercial banks found some probllems: Lack of awareness of the importance;Evaluation mechanism is not perfect;Publicity and marketing power is weak,risk management is difficult.Finally,with the current national macroeconomic policy,the author put forward to some suggestions.First,with the current national macroeconomic policy,commercial banks should seize opportunities for development,and implement priority development strategy of SME financing business.Second,through innovation and evaluation mechanism,commercial banks enhance the development of business oriented finance ability.Third,through innovative marketing services,in order to meet the financing needs of SMEs;Fourth,commercial banks should enhance innovation ability of marketing services,and dock financing needs of SMEs.Fifth,through innovation risk management,commercial banks ensure the quality of the development of small and medium-sized enterprises financing business.The author hopes that these suggestions can provide some reference for the development of small and medium-sized enterprise financing business.