The Tactics Of Mid-and Small-scale Enterprise Served By China Construction Bank Loan

The middle and small enterprises have become the important foundation of economic growth, market prosperity and the expanded employment, and their development has given impetus to the national economic growth in our country. However, the problem of financing difficulty in the present stage has hindered the smooth development of the middle and small enterprises. In fact, it is the worldwide universal phenomenon conforming to the objective law. Except for the reasons inside the middle and small enterprises themselves of small scale, the low capacity of taking the risks and the imperfect management system as well as the nonpublic information, the discrimination policy for them from the commercial banks in China has made financing difficulty much more clear. This has not only been disadvantageous of the smooth development of the national economy in China, but also restricted the development of the commercial banks themselves in China. Therefore, the state-owned commercial banks should not only pay attention to the economical benefits, and moreover, act as the"hatcher"of the national economy to act as the multiplier effect so as to walk along the sustainable development path.The middle and small enterprises has become the"last diner"in the financing market. The operative environment inside and outside the Chinese Construction Bank and the intense competition in the financing market decides that developing the middle and small enterprises'market has become the strategic problem of the development in the future. It requires the Chinese Construction Bank to combine with their superiority and the inferiority from the operative system for the middle and small enterprises, and to sort out the current problems existing the middle and small enterprises market service, carrying on the reconstruction of the Bank, and thereby, the reorganization of...