On The Feasibility Of Credit Lending To Support Medium And Small Sized Firms By The CITIC Bank Dalian Branch

In recent years, medium- and small-sized enterprises have played an increasingly important role in the economic and society development and have become an indispensable part of the economy. Nevertheless, they are usually financially constrained and receive differential treatment from banks.This study conducts SWOT analysis on the status of medium- and small-sized firms in the financial market. We find that these firms in fact have adequate funds and great potential in market development. After corresponding discussion on the internal advantages and disadvantages of the CITIC Bank Dalian Branch, we conclude that the branch can support these firms through credit lending; such a strategy can strengthen the branch and benefit its long-term development.Through market segmentation, we focus on medium- and small-sized firms whose major sales customers are large firms. We collect a sample from this group and assess the feasibility of regarding it as future credit customers of Dalian Branch. In the actual implementation to support medium- and size-sized firms, we propose to use working analysis and design method to effectively allocate work and clearly define responsibility to the current departments and personnel in the Dalian Branch. The current business procedures can also be reformed to ensure the success of such implementations.