AB Shenzhen Branch Of Small Business Credit Diagnosis Of Competitive Advantage

With the advance of interest rate marketization, large enterprises to accelerate the trend of financial disintermediation, and the competition between the banks,the profit margins from large enterprises are narrowing.For the primitive accumulation of small businesses issmall,and financing channels are limited, banks in small business loans,often have high bargaining power.Therefore,given the current circumstance that the rate space between deposit and loan is still the main source of profits of banks, small enterprises have become the fastest-growing financial customers.However, while the banks struggle at this market,and the amount of small enterprise loan had raised 6% in the half year of 2009, small business loans in AB Shenzhen Branch of was declined. This article will analyse on this phenomena,and strive to find the root of the problem to improve the advantage of credit business of small enterprises for Shenzhen branch of AB.In the first place, this paper will expound the problems of small business credit in Shenzhen branch of AB,as the foundation of the value chain of commercial banks and the CBRC small business credit business on the "six mechanisms" , by using the Delphi method to determine the article on the AB branch of small enterprises in Shenzhen Diagnosis of credit business object. Secondly, by using five forces model of industry structure and from the perspective of competit, the paper will show the development of small enterprises, credit status and the competitive structure of a comprehensive in-depth analysis. In the third part, based on the value chain of commercial banks, this article will diagnose the credit problem from the of the credit culture, organizational structure, risk management, promotion regulation, innovation ability and other important aspects of AB Shenzhen branch, to find the weak parts of credit business development in AB Shenzhen branch. In the fourth part, by refering theoretical and practical experiences from domestic and foreign banks, this paper will draw the proposals from credit problem from credit culture, organizational structure, risk management, promotion regulation, innovation ability and other important aspects for AB Shenzhen branch to improve the advantage of credit business of small enterprises for Shenzhen branch of AB, to break the bottleneck.