The Research On The Small And Medium-sized Enterprise "Credit Factory" Of The China Construction Bank Hunan Branch

In recent years, the development of SMEs in China have developed prosperouslyand made remarkable success. The SMEs have become the important engine fordriving economic and social faster and better development. However, the “highthreshold” caused by the external factors and the “low attractiveness” caused by theinternal factors make the SMEs to be refused by the commercial bank, which form a“high effect” and seriously restrict the further development of SMEs. In order to breakthe bottleneck of SMEs credit, a growing number of commercial banks according tothe “short,frequency,urgent” ciedit demand of SMEs introduced a new mode offinancing. At the same time, in the context of the strong support of national policy, thebank should revitalize the financial market of the SMEs to seize the future profitscommanding heights. Therefore, the research on “credit factory” will not only providesome ideas to solve the difficult problems of the SMEs credit,but also provide atheoretical basis for the sustainable development of China Construction Bank Hunanbranch.This article is based on the “credit factory” of the China Construction BankHunan branch, and analyzes the SMEs credit business form both theoretical andpractical aspects. In the theory, this paper comprehensivly uses the theory ofmanagement, psychology, banks other interdisciplinary. The method of the study ismainly united practice with theory, combining qualitative analysis with quantitativeanalysis. This paper analyzes the background and operation process of the “creditfactory” firstly. Secondly, this paper analyzes the development present situation, theproblems and contradictions during the operation, as well as analyzes the deep reasonfor these problems and contradictions. Finanly, This paper provides some strategy tooptimize the “credit factory”.