Commercial Banks SMEs Credit Strategy Research In The Current

SMEs (Small and medium-sized enterprises) in various fields of national economy, are our country national economy important component, and they are increasingly becoming the main driver of economic growth. Countries in policies encourage financial institutions to give SMEs credit financing support. SMEs are becoming an important commercial bank customer group, and the commercial Banks important source of their profits. The current global financial crisis lingering, European and American debt crisis intensified, our country economy influenced, the economic situation is complex and changeful. SMEs against market risk ability are weak, and more fragile In the waves of crisis, the credit risk of the bank is obviously. This article emphatically from the Angle of commercial Banks, analysis on commercial bank credit policy under the complex background in the current commercial.By using the literature investigation, numerical analysis, theory and combining case analysis and other methods, this article tries to logic and the fact the unity of the analysis. Through the system summarizing of the related SMEs credit literature, the commercial bank credit theory, SMEs risk characteristics, the commercial bank credit policy, etc., laid the theoretical basis For full text research work. Based on the current international and domestic economic background thorough analysis, to enhance the practical significance of this paper. Through the detailed analysis of CCB laiwu branch credit typical cases, this article analyzes the existing problems and reasons in the SMEs credit business under the current background, finally form the conclusion of this paper, From the target customer group selection, customer risk analysis and judgment, the credit extension scheme design, credit operation mode, bank process management, etc. puts forward the Suggestions of SMEs credit strategy.It is the strategic choice of commercial banks to develop Vigorously the SMEs credit business, but SMEs credit risk constantly exposed, on credit strategy research is extremely important and urgent in the complex background. How to take the credit strategy, effectively control the credit risk, to realize the commercial Banks and SMEs win-win situation, which is the starting point and important significance. Emphasis on theory with practice, to solve concrete problems, study how to effectively implement the SMEs credit operation in particular environmental conditions, this article has stronger practicability. Through the detailed analysis of the case, find out the banks’problems in the credit operation and the matters needing attention, combined with the current complex economic background, discussed step by step from the five aspects, this article puts forward the SMEs credit operation solution.To run well SMEs credit business, the following is necessary. First of all, to choose the appropriate target customer groups, to select the preferred customers from which through the customer’s risk analysis and judgment. Then, after Selecting the target customers, we also should configure the appropriate credit scheme, including a line of credit, credit products and guarantee measures. Finally, in order to SMEs credit business to launch smoothly, we also need to build the suitable credit operation platform, and more important, must establish a good business model and efficient operation mechanism.