Research On The Development Strategy Of SMEs Loans In Chongqing Branch Of Bank Of Communications

In 2008, the world's financial situation became tense because of the global financial crisis broke out, the world's major commercial banks have suffered a tremendous impact. Although China's commercial banks are less affected, but also the business environment is facing unprecedented change. With the financial crisis affect the real economy, many companies operating difficulties, including large enterprises, reducing investment, increasing the risk of repayment, which continued to increase loans to large enterprises a high degree of concentration of bank credit risk, while financial, "disintermediation" shunt bank financing income, "market-oriented interest rates," Bank of profit margins continue to compress. The emergence of these issues are the future of commercial banks will be the sustainable development of very serious indeed. Chongqing Branch of Bank of Communications for SMEs on the development of research questions, in favor of Bank of Communications has opened a branch in Chongqing SMEs on the market, adjust the income structure of the loan, to open up the source of profits, and improve the structure of credit assets, which deal with the future branch of Bank of Communications, Chongqing The challenge of great significance. At the same time, our country will be the development of other small and medium-sized commercial bank credit has been inspiration.This paper is mainly about Chongqing Branch of Bank of Communications for SMEs. With the effort of collecting statistical yearbooks, annual reports of banks, it first analysis of the research background and research significance of the past research and research ideas in this article; And then demonstrates the Chongqing status of credit financing of the SMEs, and the Chongqing Branch of Bank of Communications for SMEs on the need for the development and pointed out that the development of small and medium-sized branch of Bank of Communications, Chongqing credit problems in the business, including: not yet set up independent examination of incentives for SMEs, the lack of reasonable scientific pricing system for SMEs, branch of Bank of Communications, Chongqing SMEs cumbersome approval process, small and medium-sized business by way of security, a single credit, as well as SMEs lack of product innovation credit.For the development of credit by small and medium-sized problems in Chongqing Branch of Bank of Communications, in this paper, the corresponding security measures and organizational measures: including small and medium-sized financial services in support of a clear direction and focus; the establishment of an independent scientific evaluation system for small and medium-sized credit; innovative marketing model for SMEs; focus on product innovation; the implementation of credit business in line with the small and medium-sized characteristics of the credit policy; rich means small and medium-sized credit collateral; the creation of specialized small and medium-sized customers and account manager team; more suitable for the establishment of small and medium-sized internal credit management system; improve the SME credit credit approval efficiency.