The Strategy On Developing The Loans Of Small And Medium-sized Enterprises Of China Construction Bank Tangshan Branch

In recent years, small and medium-sized enterprises in China developed rapidly. Andthey play an increasingly important role in national economy. At the same time, there arestill several problems during the development of small and medium-sized enterprises, suchas the financing issues restrict their development and growth. To solve these problems, thegovernment unveils a lot of policies. For example, the government encourages banks thatthe loans to small and medium-sized enterprises should be tilted. And the People’s bank ofChina stipulates the lending ratio which banks provide a loan to small and medium-sizedenterprises. But it produces very little effect.With the ten years’ practical experiences working in China Construction Bank, thespeculative knowledge learned from MBA courses, and based on the research findings athome and abroad, the author analyses small and medium-sized enterprises’ credit issues inTangshan Branch of China Construction Bank, including system and mechanism, mode ofguarantee, business lines and risk countermeasures and so on. On this basis, the author putforward strategies to improve and prefect institutions of loans of small and medium-sizedenterprises, to innovate credit products. Through these, the author expects to relieve thefinancing issues, supply references for financing of small and medium-sized enterprises,and direct daily work.This thesis mainly includes contents as follows.The first part is introduction. It is brief introduction of background, meaning,research thinking and frame of selected topic.The second part is on relative theory summarization and current research situation athome and abroad. This part is theoretical basis for related theories of small andmedium-sized enterprises and strategic management. Simultaneously, it uses thesuccessful credit experience of other countries’ banks for reference.The third part is analysis of the current situation on financing and open questions of small and medium-sized enterprises in Tangshan Branch of China Construction Bank.The forth part is countermeasures on loans of small and medium-sized enterprises inTangshan Branch of China Construction Bank. On the basis of adequately analysis onabove issues, the author gives suggestions on how to develop the loans issues of small andmedium-sized enterprises. They should simplify the loan procedure, set up effectivecheck-up system and award and punishment system, innovate the loan types for small andmedium-sized enterprises, and perfect the risk management system and so on. Meanwhile,they should have their own advantages in competition.