There Are Problems And Suggestions In The Financing Services Of SMEs In City Commercial Banks

This paper is about the city commercial bank financing service existing problems and countermeasures.This paper first hand over to treat the city commercial bank financing service of the research background,the basic ideas and the specific study method,and then to small and medium-sized enterprise credit financing situation analysis,this paper introduces domestic bank financing of small and medium enterprises to solve problems of the advanced experience in the use of the standard and the empirical analysis combined with qualitative analysis and quantitative analysis,the method of combining,thinking city commercial bank financing services to small and medium enterprises the problems and reasons,and the financing of small and medium enterprises to what advantage,and puts forward the countermeasures,the policy Suggestions are as follows:(1)optimizing stock ownership structure,forms the restriction between the different shares.The local government a stream of single big serious influence the city commercial bank management.Optimizing stock ownership structure including the introduction of private capital or international strategic investors.Whether into private capital or international strategic investors,can improve corporate governance structure.They received equity can make local government gradually realize financial exit to enhance equity constraint,reduce agency cost,reduce insider control,city commercial bank management decisions will be to the market,and FeiHangZheng command command.(2)improve the management level,in view of the small and medium enterprise development new loan product and service mode.Develop corporate governance construction,strengthen the construction of internal control mechanism for enhanced primary legal person system,establishing the independent operation between owner and operator,effective checks arrangement of system,the board of directors of the sound management institutions,regulate the board of directors and the board of supervisors shall formulate rules,give full play to the role of the board of directors and the board of supervisors,form the shareholders' meeting,board of directors and the board of supervisors and senior management,each its between each doing his own job,mutual support and mutual containment of operation mechanism;To improve information disclosure,improve the quality of information disclosure,and gradually establish the foundation of market operation.From the domestic and foreign small and medium-sized Banks in the financing for small and medium-sized enterprises service is how product development and risk,prevention foundation,according to their own practice,the ongoing financial innovation,in view of the small and medium enterprise development new loan product and service mode.Due to the different small and medium-sized enterprise in different industries,management thinking different wait for a reason,and have different characteristics of the financial needs.Different money demand characteristic can cause different credit risk characteristics.Therefore,need for small and medium-sized enterprise development bank,for small and medium-sized enterprise characteristics of financial instruments.(3)improve the level of human resources management.Talent is the bank of intangible assets,is the key to competition.The city commercial Banks must set up the talent is the consciousness,GuangZhao wise men.Including:recruitment of highly educated graduates;Hiring a high level of business backbone;Recruitment of high quality management personnel.To pay reforms,reduce artificial factors,reflect the fairness of the salary system;Reflect the differences of labor value;Consider post performance,improve the salary incentive effect.To set up a learning organization,bank strategy as the guidance,an effective training system;Core requirement to the bank an effective training system;Combined with the needs of the development of self employees to build effective training system.In practice,a complex financial talents training.(4)need the support of the government,to perfect legal credit system.Contemporary economy is honesty economy.The government should implement"faithless cost" more than "and credit cost" punishment system;For enterprises to establish credit records;To establish a credit history and evaluation of the institution,supervision and management mechanism,ensure the authenticity of the credit information and comprehensive;Establish the individual credit,enterprise credit and government credit of the organic combination of the national credit system.For the city commercial bank's financing services provide security business environment.