Linyi BCC Bank For Science And Technology Small And Medium Enterprisesresearch On The Innovation Of Loan Business Model

In recent years,with the national policy of the direction of change,more and more technological innovation enterprises are generally mushrooming in the eastern region everywhere in China's economic development in various areas of the share of higher and higher.In the current global economic downturn,the manufacturing industry downturn in the economic environment of the banking industry's traditional business frustrated,the risk rate rising,making the banking industry must be adjusted according to market changes in the direction of development,technological innovation enterprises to open up a huge market,but with Traditional manufacturing compared to innovative technology-based enterprises with more light assets,high value-added features,and the corresponding traditional banking products,heavy assets,strong guarantee requirements contrary.Under this background,how to manage banks and credit-based enterprises with greater risk-based management environment has become a problem that has to be faced and solved.As of the end of 2015,the National Bureau of Statistics released data of the national scale of small and medium-sized industrial enterprises above 365,000,accounting for the proportion of all industrial enterprises reached 97.4%.Small and medium enterprises in the market economy plays an important pillar,science and technology SMEs is a Kind of vigorous posture in the rapid development of our country.In the face of the huge market of small and medium-sized enterprises and the current economic situation,the banking industry is facing the period of change of survival and development.In particular,it is necessary to carry out the correct product positioning for science and technology-oriented small and medium-sized enterprises and implement the correct development strategy so as to change the tide,Rejuvenate the development of power.This paper analyzes the reality of the loan business of small and medium-sized enterprises,and carries on the market analysis and the product innovation research,with a view to the science and technology of small and medium-sized enterprise loan business play a certain guiding role.This paper will take the BCC Bank of Linyi as an example to analyze the market environment and policy status of small and medium-sized enterprises in science and technology,and recognize the reasons for the contradiction between supply and demand of SME lending business and the impact on the banking market.The research on the product setting,the profit evaluation and the risk assessment based on the commercial bank rating model,the RAROC pricing model,the loan demand calculation,the repayment ability measurement and so on,and then carries on the analysis to the science and technology type small and medium enterprise loan Business model innovation,improve the bank comprehensive income.In the first chapter,the main contents of this paper are described from the background of the current market status of small and medium-sized small and medium-sized enterprises(SMEs)and the background of the current shortage of bank credit products.The contents,ideas and research methods are summarized.The second chapter is the relevant case and literature review,elaborated at home and abroad related business model research theory and the case result.The third chapter analyzes the traditional loan business model of BCC Bank of Linyi,and combs the traditional loan business model of commercial banks by applying the theoretical research results of commercial banks.The fourth chapter analyzes the innovation environment of the loan business model in Linyi area,analyzes the regional and market environment of Linyi area,and combs the internal and external conditions of the innovation of loan business model,and makes the innovation mode rationally.The fifth chapter is the innovation of BCC bank loan business model in Linyi,the design of loan product flow is applied to the theory of marketing management and operation management,and the innovation loan business model is compared with the traditional model.The sixth chapter is the conclusion and suggestion,summarizes the research and puts forward the relevant suggestions for the next step.