Research On The Countermeasures Of Credit Service For Small And Medium-sized Enterprises In Rural Credit Cooperatives

This article through studies service nature of rural credit cooperatives,financial services for small and medium-sized enterprises,small and medium enterprises concept defining,absorb the existing theory of small and medium-sized enterprise financial services and part of small and medium-sized enterprise financial optimization theory.Based system and then to the economy,policy,environment and change are summarized,further analysis of hebei province rural credit cooperatives engaged in financial services optimization results and the existing problems,and from the society,rural credit cooperatives,small and medium-sized enterprise internal aspects profound analysis,it is concluded that rural credit cooperatives in hebei province small and medium-sized enterprise financial services lag reason.In shijiazhuang,hebei province as the research object of rural credit cooperatives objective analysis the advantages and disadvantages of small business financial services,find out the rural credit cooperatives financial services optimization problems and restricting factors,and then sums up the experience optimization can be used for reference.Finally,take the customer as the center,for a better service to agriculture,rural areas and farmers,the livelihood of the people,service,scientific development of local economy,improve the market competition ability,adhere to the principle of the optimization of service demand oriented,put forward a series of comprehensive optimization ability of small and medium-sized enterprise financial services of basic ideas and countermeasures and Suggestions:First of all,in hebei province rural credit cooperatives to improve their own competitiveness,innovation business varieties,improve service quality,meet customer needs,innovation,choose a variety of forms on the loan guarantee way,strengthen the credit risk prevention work,simplify the operation process,the appropriate credit down basic loan examination and approval authority;Secondly,small and medium-sized enterprises should adhere to standardizing the financial system,improving the internal control system,enhancing the sense of good faith,establishing the concept of good faith,accelerating technological innovation and promoting the transformation of operation mechanism.Third,from the aspects of government,give full play to the function,improve the small and medium-sized enterprise social financial services,strengthen financial guidance and tax incentives,improve the legal system,intensify support,clean up the rural credit environment,strengthen the social credit.