| Since 2008 to the present, although global economy is still in an adjusting and recovering stage after financial crisis, the international financial crisis has not calmed down, and derived inflation and stagflation around the world. All big global economies have entered into a new round depth adjusting stage by August, 2011.Under the background of the world economy tenderly recovered, complicated and changeable international politics and military, international hot money constently poured into, constantly increased pressure of inflation, our country's government has been strengthening macro-level adjustment and control since the end of 2010, and economic growth speed also has fallen down. From the beginning of this year, People's Bank of China has used multicurrency tools to strengthen liquidity management, and make queeze from monetary aggregate to bank credit. It's more difficulty for all enterprises in our country to make financing from financial institutions comparing with previous years under the economic situation. Along with progressive development and perfection of financial markets in our country, and progressive promotion of relationship with international financial markets, large enterprise groups may obtain funds by bond or stock financial methods with lower cost than bank credit upon their good credibility and considerable strength to meet their own requirements for funds. But many quality middle and small firms difficultly make financing from banks due to various reasons, even they willingly pay higher cost. Middle and small firms are mainstay of market economy in our country and the basic force to promote development of the national economy and keep social stability. Especially at present, middle and small firms play a greater and greater role in such sectors as ensuring appropriate growth of the national economic, relieving employment stress, optimizing economy structure, rejuvenating the nation relying on science and education. Middle and small firms customers also increasingly become strategic choices for all commercial banks to adjust structure of customers, increase market competitiveness, scatter centralized risks, realize stable development, expand new profit space. So, to increase financing strength for middle and small firms and to assist development of middle and small firms are strategic missions of all commercial banks, and also are necessary choices for all commercial banks to realize value maximization, such cause the competition among commercial banks on financing services for middle and small firms be increasingly intensified. At present the credit scale for middle and small firms in China construction bank jilin branch has substantially increased than previous years by adjusting credit structure in recent years, however, comparing with credit for large and medium enterprises, the scale is still on low point and the structure is unreasonable. Financing services development for middle and small firms in China construction bank jilin branch are not satisfying at present. Gross loan portfolio of China construction bank jilin branch is RMB70 billions yuan as of the end of June 2011, including RMB8.475 billions yuan for middle and small firms, the loan proportion for middle and small firms customers is only 12%.Loan portfolio is increased, but loan proportion is not increased comparing with the ones in 2007.Financing difficult for middle and small firms is not a problem which individual commercial bank or individual enterprise is to face, but a universal problem. It has a great significance for China construction bank jilin branch to rapidly develop financing services for middle and small firms:First, middle and small firms customers have their own management advantages. Middle and small firms have the following advantages: scale is small, system is flexible, investment period is short, adaptive capacity is strong, can timely adjust management direction upon the change of market. The guideline for revitalizing northeast old industrial bases from the state and growth program for middle and small firms in Jilin province also provide strong policy support to the development for middle and small firms custmomers in Jilin province.Second, value creation capacity of middle and small firms customers is higher than the ones of large enterprises customers. Quantity of middle and small firms customers is large, distribution is wide, turnover period of fund is short. Commercial banks have a stronger ability to bargain with middle and small firms customers under the present economic situation. For commercial banks, financing services for middle and small firms have stronger value creation advantages than the ones for large enterprises.Third, financing services for middle and small firms is a new profit growth point for CCB. On the one hand, middle and small firms customers can bring new profit growth point to CCB, and make CCB keep profitability; on the other hand, at present financing requirements of middle and small firms customers are large, but financing difficulty is larger, CCB should grasp such opportunity to positively expand financing services for middle and small firms and seize a larger market share.There are two main aspects for problems in financing services development for middle and small firms of China construction bank jilin branch:First, the reasons such as in China construction bank jilin branch's system and products, etc. obstruct development of financing services for middle and small firms. Although CCB has paid adequate attention to financing services for middle and small firms, loan of China construction bank jilin branch is mainly put in the national pillar industries and large enterprises which local governments importantly support. The existing evaluation method of customers taking large entereprises customers as predominance virtually keep out many middle and small firms customers. There are few financial service products speically provided by CCB to middle and small firms customers, and innovation speed is slow, such can not meet multiple and active financing requirements of middle and small firms customers.Second, operational and managing situations of middle and small firms in Jilin province obstruct their own development, moreover also influence the development speed of financing services for middle and small firms of China construction bank jilin branch. Subject to natural conditions and local government policies, buying and selling channels of most middle and small firms customers in Jilin province are not flexible, research and development of technology are underemphasized, credit sense is lacked, credit rating is relative worse, there are no adequate guaranty ability, the above can not meet the financing conditions of China construction bank jilin branch. China construction bank jilin branch wants to change present situation of development of financing services for middle and small firms, it must solve troubles fundamentally to restrict financing services development for middle and small firms.First is to train and screen quality middle and small firms customer groups, and prepare differential developing strategies according to financing requirement features of middle and small firms customers.Second is to set up customer evaluation system to meet the actual situations of middle and small firms customers. Making proper rating for middle and small firms customers, and making reasonable evaluation for their credit risks, adjusting management mode of financing services for middle and small firms, setting up marketing cooperation platform with multiple channels, realizing mass marketing results. Strengthening management after loan and controlling risks on the basis of strengthening specialized approval on financing project for middle and small firms.Third is strengthening financing products and financing service innovation for middle and small firms to meet all-round, multistoried financing services requirements of middle and small firms customers. Improving financing services procedure, strengthening training for staffs providing financing services to middle and small firms, intensifying compliance operation, improving service level. Fourth is to furtherly enrich guaranty modes and spread financing service channels for small enterprises.The enforcement of the above measures must provide slacker policy and developing platform to financing services for middle and small firms in Jilin province, and provide more suitable financing products for middle and small firms. The financing services for middle and small firms in China construction bank jilin branch will have a greater development. |
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