Sme Financing Service Present Situation Anaiysis And Countermeasures For Branch A Of China Construction Bank In Nanchang

With the constant development of our country economy, Small and Medium-sized Enterprises are playing a more and more important role in the expansion of urban population, employment, and constantly enhance the market prosperity, and promote China’s economic growth playing a role that can not be ignored. But the problem of financing for Small and Medium Enterprises has become increasingly prominent and the bottleneck of the development of Small and Medium-sized Enterprises. Commercial banks should help SMEs solve their financing problem responding to the call of country actively. People’s Construction Bank of China is an international business standards of big banks, it should play their own advantages, enhance the competitiveness and expand the bank profit sources for the target! This article selects the Construction Bank of China branch A in Nanchang of objects, in a preliminary understanding of the A branch of the region for the financing of small and medium-sized enterprises on the basis of the current situation, combined with domestic and international theory about the Small and Medium-sized Enterprise financing, analysis of the financing of Small and Medium-sized Enterprises and the problems and reasons, based on the above reasons to build the proposed corresponding countermeasures for Branch A in Nanchang.This paper is divided into four parts, the first part mainly elaborates the relevant theory:"Mcmillan gap" theory, the theory of Credit Rationing, the financing of Small and Medium-sized Enterprises life cycle theory and relational financing theory, and briefly describes the concept of Small and Medium-sized Enterprises; the second part elaborates financing situation of SMEs of the Branch A in Nanchang and the presence of a series of problems, including bank access threshold high, Small and Medium-sized Enterprise mortgage difficulties, loan funds available time is short, loans complex procedures, approval period is too long, the great for the financial innovation product. The third part is Small and Medium-sized Enterprise financing demand investigation for the branch A CCB Nanchang Branch area, and analyzes loan existing problems for Small and Medium-sized Enterprise,then from the enterprise itself, analyses the reasons,the bank loan the restraint of the system, guaranterpe system is not perfect, the national loan policy, the fourth part puts forward the corresponding countermeasures, from the Branch A in Nanchang angle put forward to establish the idea of serving the Small and Medium-sized Enterprises, innovative business processes, reduce costs, pay attention to the risk of financing of Small and Medium-sized Enterprises asset management, strengthens the Small and Medium-sized Enterprise risk assessment system innovation, establishing and perfecting the risk pricing mechanism, the importance of human resources training and a series of countermeasures.