Credit Strategy Research On Small And Medium-sized Enterprises Of Bank Of China Taian Branch

Small and medium-sized enterprises is one considerable part of our national economy, acts importantly in the market flourish, social treasure creation and occupation enlargement. Along with China's economic transformation and continuous development, small and medium-sized enterprises are confronted with many new opportunities and challenges, and the most important thing is to get the credit support from banks in this process. But small and medium-sized enterprises are numerous, includes mangy lines of work, difficultly found to be good. The Banks always do business very carefully considering the risk, and the support wasn't large. Recently Government claim to strengthen the support to small and medium-sized enterprises. Central bank and bureau also demand banks to make out credit policy of small and medium-sized enterprises. Banks need to increase the research and constitute the credit stategy in order to solve the difficulty to get loan for small and medium-sized enterprises.Bank of China Taian Branch mainly supported large enterprises once and has turned to support small and medium-sized enterprises in recent years, but the business developed slowly and produced many problems. On the one hand, the branch hasn't known the market of small and medium-sized enterprises in taian with detail, hasn't analysed the size, risk and prospect of the lines of work and enterprises, hasn't form the unitive cognition about the target market and important enterprises. On the other hand, the branch had translated the policy and products slowly, hadn't made out the different policy and process of credit from large enterprises, hadn't made out the credit strategy and products.This essay analyses the market of small and medium-sized enterprises in Taian, and the credit products of bank of china taian branch in detail, try to find the important trades according to the factors including industrial structure, industrial scale, industrial chain, risk factors, capital demand and development prospect. With the credit products, period, rate, amount, the penster link up the factors of small and medium-sized enterprises juast as size, risk, guaranty, prospect, made up and carry out the crdit strategy corresponding the development of Bank of China Taian Branch, and have a good try on mutual benefits between Bank of China with small and medium-sized enterprises in taian. It is the main innovation of this dissertation.The dissertation is structured 7 chapters. The first chapter provides the background and basis for further study. Chapter 2 mainly discusses pertinent theories including theory of commercial loans and risk management. Chapter 3 analyzes lines of small and medium-sized enterprises in taian, selects 8 lines as credit targets. Chapter 4 analyzes in detail the credit status of Bank of China Taian Branch, provides credit problems for Small and smedium-sized enterprises. Chapter 5 makes out the credit strategy and explanation in detail. Chapter 6 provides the organization and control of the credit strategy practice, including organization, human resource, Monitor and stimulate administration, and so on. Chapter 7 is the conclusion of the dissertation.