Bank Financial Services For Smes. Pd Innovation Situation Analysis And Improvement Countermeasures

Promoting competition in the market, increasing the employment, adding industrial upgrading, fortifying the development of economy and maintaining social stability of Small and medium-sized enterprises are playing a very important role, and these elite of small and medium-sized enterprises are often encountered in financing bottleneck. At the same time, as the rapid development of direct financing market and financial off, the increasingly serious financial disintermediation phenomenon,the traditional financial business clients relies heavily on the big commercial Banks which facing a huge challenge,and small and medium-sized enterprises granted a commercial bank of competition objects. This thesis research small and medium-sized enterprise financial service innovation practice in PD Bank, and analyzes the small and medium enterprise financial innovation in the practice of the present situation, problems and development countermeasures of PD Bank, and promote the development of small and middle-sized enterprises puts forward some Suggestions to financial service innovation.This thesis use of case analysis and contrast analysis method to analyze the PD Bank financial service innovation of small and medium-sized enterprises of the theoretical basis, already achievements have been made and the existence question and so on. PD Bank small and medium-sized enterprise financial service innovation is the background of the small and medium enterprise financial service innovation is the transformation of PD Bank strategic task, to social responsibility is the requirements of small and medium enterprise property rights and the financing market gradually relaxed. PD Bank small and medium-sized enterprise financial service innovation work past the disadvantages of the small and medium-sized enterprise management system performance in blank, adapt to the characteristics of small and medium-sized enterprises the difference of the business process should be further improved and in view of the small and medium-sized enterprise assessment of the incentive mechanism is difficult to implement, etc. At present, PD Bank in small and medium enterprise financial service innovation and have achieved some results, such as building a special small and medium-sized enterprise management institutions, strict financing business process, clear definition and classification of the small and medium-sized enterprises, and has established the characteristics of financial factors for assessment system. Of course, small and medium-sized enterprises at present PD Bank financial service innovation many problems still exist. Based on the bank of Guangzhou branch financial service innovation of small and medium-sized enterprises as a case, and on the basis of small and medium-sized enterprises in PD Bank financial service innovation process, the characteristics of brings forward the corresponding suggestion.This thesis may be in the innovation of small and medium-sized enterprises in Shanghai pudong development bank through financial services in the past and the present situation analysis on the basis of the analysis of the small and medium-sized enterprise Shanghai pudong development bank financial service innovation, the problems to be solved. At the same time, this thesis to Shanghai pudong development bank guangzhou branch as an example, introduces guangzhou branch financial service innovation of small and medium-sized enterprises of the implementation of the background, specific measures, the existing problems and the improvement Suggestions, etc. Finally, in view of the small and medium-sized enterprise Shanghai pudong development bank financial service innovation of the existence of the problem, has pointed to Shanghai pudong development bank in small and medium enterprise financial service innovation work put forward some opinions and Suggestions.