Research On The Construction Of Small And Medium Sized Enterprises Credit Business Management Model Of Guangdong Branch Of China Construction Bank

The Party Central Committee and the State Council had been taking high attention to the development of private economy,with various efforts to support the development of small-medium and small enterprise(SME).Especially since the Eighteenth National Congress of the CPC,the Party Central Committee have been actively constructing new environment as popular entrepreneurship and innovation,leading the development of private economy onto the fast lane.Many financial enterprises kept innovating new products,services and business model targeting at SME credit operations.However,due too many withdraws,SME finance was still in executable add at high cost,which had been emerging as a social concern.Different banks took varied management pattern with SME credit business,resulting in diverse outcome of client experience,business scale and speed of development.In the exploration process of SME credit business in China Construction Bank,Guangdong branch(CCB GD branch,for short),and three stages can be divided at the perspective of management pattern.With the growth and change of these patterns,SME credit business in CCB GD branch had undergone peak and valley type course: exploration stage,rapid expansion stage and slower increased pace stage.In this article,we aimed to investigate the cons and pros of the present management pattern,we began along the history of SME credit business in CCB GD branch.We would applied Customer satisfaction survey and data statistical analysis as our research tool.Through copy testing survey as well as Information technology assisted interview,we constructed the inner relationship pf business development effect,feedback of Customer satisfaction and renovation of management pattern.And finally we made up the survey conclusion.Via this survey,we aimed to help explicit the management targets,arrange the frameworks.With the use of scientific management strategy,we could point out the management content necessary to be refined,design the managing protocol,elicit assurance measures,making the improved establishment of SME credit business in CCB GD branch.The research procedure is of certain theoretical value to the SME credit business,with practical significance to CCB GD branch.