Research On Business Optimization Of Private Small And Medium-Sized Enterprises In T Financial Leasing Company

Under the current new economic situation,the state has paid more attention to the hidden debt problem of local governments.In order to prevent the occurrence of systemic financial risks,financial regulators have issued a series of policies and industry regulations.The financing behavior of state-owned financing platform enterprises has been restricted,which has severely compressed the traditional business market of the financial leasing industry.Therefore,it is necessary to find new business opportunities and open up new markets.Private small and medium-sized enterprises,as important market players in the national economy,have faced with the dilemma of lack of funds for a long time,its technological upgrading and development goals are difficult to achieve without funds,and more business cooperation with financial institutions is required.Under this premise,this research takes T financial leasing company as the object,explores the problem of its insufficient business development in the private small and medium-sized enterprise sector,and obtains corresponding optimization strategies by analyzing its current problems and shortcomings.This research is carried out in accordance with the basic logic of analyzing the status quo and problems,determining existing deficiencies,and seeking optimization strategies.At the stage of analyzing the status quo,the fishbone diagram analysis method is used to systematically sort out and analyze the internal and external environment of T Financial Leasing Company’s current private SME sector business.The main content involved in the internal environment refers to Mc Kinsey’s 7S model,The environmental aspect is analyzed in turn from the policy environment and development trend,financing environment and guarantee mechanism.Finally,it also analyzes the third-party service institutions closely related to the business,such as guarantee,credit investigation and audit institutions.After expanding the content of these three aspects to get deeper specific problems,the fishbone diagram analysis method is used to find the reasons.All the key limiting factors involved in this research are obtained one by one by means of the method,and constitute a systematic and coherent set of problems.on the basis of in-depth analysis and comprehensive understanding of the current situation of T Financial Leasing Company,use Mc Kinsey Matrix to comprehensively evaluate its competitiveness and market attractiveness in the private SME sector,and determines the current weaknesses of T Financial Leasing Company and determines the content that needs to be optimized,which mainly including:marketing ability,product and service quality,professional ability of personnel,corporate reputation,profitability,financing ability,internal management level,and then combined with the specific problems and limiting factors analyzed in the fishbone diagram,the horizontal thinking method was used to carry out innovative thinking,and finally an optimization strategy is obtained in line with the strategic positioning of T Financial Leasing Company to expand the market segment of private small and medium-sized enterprises.The strategies for internal optimization include: improving marketing and maintenance services,adjusting organizational structure,personnel and performance,and enriching capital sources Channels,business models and processes are optimized,and business acquisition and control are strengthened;in addition,some specific optimization suggestions are also put forward for the external environment and third-party services,which including: standardizing the work of third-party service agencies,improving the credit investigation and evaluation system for small and medium-sized enterprises,improving small and medium-sized enterprises,improving enterprise financing guarantee service system,improve the rights and interests protection mechanism of financial leasing companies.