The Research On The Development Of China Merchants Bank Of Small And Medium Sized Enterprises Credit Loan

With constant changes of the financial condition in China, the environment for the business of domestic commercial banks is also facing unprecedented changes, for instance, disintermediation forks out banks'financing revenue, interest-rate market-oriented constantly declines the profit margin and the high loan centralization increases the credit loan risks. All these new problems will have great influence on the constant development of commercial banks in the future. The study of China Merchants Bank(CMB)'s development of Small and Medium Sized Enterprises(SMEs) credit loan has its great meaning for CMB to explore SMEs credit loan market, restructure the loan income, find out new profit resource, improve the credit asset structure and confront with the challenges in the future. Moreover, it will also give inspiration to other domestic commercial banks to develop the SMEs credit business.This dissertation firstly analyzes the current condition of SMEs'credit loan and point out the problems that CMB meets with when developing the SMEs credit loan, which include that establishment of the independence appraising and incentive measures, the SMEs credit approval process optimization, the absence of SMEs credit loan pricing system, the lack of SME credit loan product innovation, etc. Concentrating on the problems CMB has when developing SMEs credit loan, this dissertation presents corresponding countermeasures and suggestions, that is, firstly, to set up a reasonable SMEs credit loan department structure frame and its functions as well as a specialized marketing team for SMEs credit loan and the appraising and incentive measures, secondly, to improve the efficiency of SMEs credit loan approval by optimizing the approval process, thirdly, to create a more suitable management model for SMEs credit loan which focusing on the collection of non-financial information and the process management after the loan, and fourthly, to give standardized SMEs credit loan products. This dissertation at last also suggests CMB set up an interbank SME credit default notification system to reduce information asymmetry between banks and enterprises.