Research On Financial Service Innovation Of Small And Medium Sized Enterprises In Xiamen Bank

The development of small and medium-sized enterprises in relation to the economic development of our country whether steady progress,related to the adjustment of economic structure is in place,whether to upgrade smoothly,production went to the inventory will steadily carry out national plans etc..Small and medium-sized enterprises not only contributed greatly to the growth of GDP in China,but also played an important role in creating jobs,increasing residents' income and stabilizing people's livelihood.At present,the large scale of capital demand,the fast speed of loan demand,and the diversified financing mode bring great challenges and opportunities to commercial banks.With the development of interest rate marketization and the development of Internet finance,the competition of commercial banks is coming to a white hot stage,and the large volume of small and medium-sized businesses has also become the focus of competition among all commercial banks.On the other hand,because of the weak sense of innovation,extensive management,low efficiency and backward products,the depth and breadth of financial services of SMEs are severely restricted.Based on this background,starting from the research on financial services innovation of Xiamen bank small and medium-sized enterprises,this paper analyzes the development status and existing problems of Xiamen banking SMEs' financial services,and puts forward some suggestions for Xiamen banking SMEs' financial services innovation.This article through to the Bank of Xiamen,development history,development strategy,measures for the management of customer credit and the Bank of Xiamen financial services for small and medium enterprises achieved 4 aspects detailed introduces the status quo of financial services of small and medium enterprises of the Bank of Xiamen,and focus on the characteristics of financial products,credit and simplify the approval materials 3 aspects to strengthen the political cooperation silver describes the innovation and practice the Bank of Xiamen's financial services companies.At the same time,it compares with other characteristic products of China Merchants Bank such as "self loan","small and fast loan" of Construction Bank,postal savings bank,"tax credit Tong" and so on,so as to summarize and summarize the shortcomings of Xiamen bank in SME financial services.Finally,some suggestions and suggestions are put forward to the innovation work of the financial services of the small and medium sized enterprises in Xiamen bank.