The Practice Study On Banking Financial Innovation In The Services For SMEs

Small and medium-sized enterprises(SMEs) in the national economy played a very important role as an important force in promoting competition in the market, increasing employment and promoting industrial upgrading and economic development and maintain social stability, the majority of SMEs has become the main force reinforcements of China's economic development. These SMEs often experience lack of funds, this provides the bank tremendous business opportunities, while with the rapid development of the direct financing market ,the traditional financial business of commercial banks facing a great challenge, SMEs naturally become the object of competition in the commercial banks. How to make use of financial innovations to boost their bank's financial services capabilities, seize the resources of SMEs, are the problems that the modern commercial banks must actively explore and effort to solve. The world's developed countries and regions in the area of financial services for SMEs has many advanced experience, the paper attempts to research the innovation of China Construction Bank in the SME financial services practice , through comparative analysis of the world's developed countries and regions SME financing system and experience, reveals the interaction between commercial banks' financial innovation and the development of SMEs in the mutually beneficial relationship, and makes a number of recommendations on China's commercial banking financial services innovation of promoting the SMEs' development.