Research On The Development Strategy Of Small And Medium-sized Enterprise Credit Business Of PUFA A Branch

As an important part of economic development,SMEs play an irreplaceable role in foreign trade,employment and innovation.By the end of 2018,the number of small and medium-sized enterprises in China has exceeded 30 million.According to statistics,small and medium-sized enterprises have contributed more than 50%of the national tax revenue,more than 60%of the GDP,more than 70%of the technological innovation achievements and more than 80%of the labor force employment.Although the importance of small and medium-sized enterprises to economic development has been highlighted,and a series of supporting policies have been issued by the central and local governments,small and medium-sized enterprises are often disadvantaged in obtaining financial resources due to their small scale and relatively few assets,and there are many difficulties in both direct and indirect financing.As an important financial institution,commercial banks,aiming at a large number of small and medium-sized enterprises,keep forging ahead,build a unique credit financing business model for small and medium-sized enterprises,provide financial support for enterprises,alleviate the financing problems of small and medium-sized enterprises,promote the healthy development of commercial banks,and realize a new win-win situation for banks and enterprises.This paper summarizes the research results of credit financing of small and medium-sized enterprises in domestic and foreign commercial banks,analyzes and summarizes many literatures,and makes in-depth research on relevant theories,so as to define the concept of small and medium-sized enterprises,improve the characteristics of small and medium-sized enterprises,and elaborate on the credit risk theory and the relationship loan theory.On this basis,this paper takes branch A of Shanghai Pudong Development Bank as the research object,describes the bank’s credit financing business of small and medium-sized enterprises and the main products and processes involved by introducing the bank’s basic situation,and makes A detailed introduction to branch a of Shanghai Pudong Development Bank.At the same time,the paper analyzes the small and medium-sized enterprise credit financing business of SPDB a branch,including business scale,customer evaluation standard,product sales data,credit financing business investment direction,specific income situation and so on.Through the analysis of the current situation and data,this paper finds that the financing business of small and medium-sized enterprises in a branch of Shanghai Pudong Development Bank still faces four problems:weak profitability of small and medium-sized enterprises,difficulty in meeting the bank deposit demand;lack of effective customer relationship management;serious homogenization of product portfolio,lack of innovation;poor initiative of business executives.In conclusion,the reasons for these problems include:the lack of profitability of small and medium-sized enterprises;the lack of customer relationship management mechanism in banks;the lack of innovation ability in bank products;the lack of incentive performance appraisal mechanism.Finally,this paper puts forward the corresponding development strategies by clarifying the strategic positioning of small and medium-sized enterprise credit business and the positioning of the target market of SPDB a branch,which mainly includes:changing the concept of small and medium-sized enterprise credit business,improving the risk management mechanism,constantly optimizing credit products,strengthening the innovation of strategy,and building an efficient evaluation mechanism.This paper puts forward the development strategy for a branch of Shanghai Pudong Development Bank,and further proposes the specific guarantee measures for business development from three aspects:improving the system construction,strengthening the training of talent team and improving the internal management.Through the analysis of small and medium-sized enterprise credit financing business of a branch of Shanghai Pudong Development Bank,this paper hopes to find the focus of commercial banks to promote the development of small and medium-sized enterprises,explore the win-win business model between banks and small and medium-sized enterprises,so as to enhance the competitiveness of a branch of Shanghai Pudong Development Bank.At the same time,it also provides reference and reference for China’s commercial banks to develop small and medium-sized enterprise business.