Research On Small And Medium-sized Enterprise Loan Business Of Industrial Bank

In recent years, small and medium-sized enterprises always have difficulty in financing. What’s more,the difficulty is duality, which means that it is not only difficult for SMEs to obtain bank loans but also for the banking financial institutions to lend money to SMEs. With the pace of financial reform accelerating and the banking self-discipline mechanism being consummated unceasingly, banks put the safety of funds in the first place in operating,so that "credit crunch" becomes a universal phenomenon in bank management. This "dilemma" difficulties, if not resolved as soon as possible, not only the development of small and medium-sized enterprises will be greatly suppressed and the pace of national economy growth is affected, but also the healthy development of commercial banks is very unfavorable.In order to expand lending object, improve business performance, increase business and profit sources for the banks, author enters commercial bank A to observe its approval system and remuneration incentive mechanism. And at the same time collect the real case. Using the latest case, research and analyze the current status of commercial bank A loaning to small and medium-sized enterprises and its development, so the existing problems are more truly reflected and the analysis of the problems are more closer to the practical situation of bank loans to small and medium-sized enterprises. Through the detailed description and analysis of the small and medium-sized enterprise financing case in commercial bank A, sum up the bank financing problem of small and medium-sized enterprises combined with field observation.They are as follows:first, the credit to small and medium-sized enterprise is of insufficient attention; secondly, SME credit approval mode in commercial bank A is not reasonable, mainly for that the cycle of the small and medium-sized enterprise credit business formalities is too long, the authorization level is low and the loan management cost is not high; finally, there is defect in the organizational structure and incentive mechanism of commercial bank A. For small and medium-sized enterprises financing problem in commercial bank A, we give suggestions in two ways, which are as follows:First, draw lessons from successful examples of domestic commercial banks’ credit to small and medium-sized enterprise and analyze them, then summarize the corresponding solutions to the SME financing problem. Second, combined with the advanced theories, such as cross-validation technique and the program of tunnel mode of secured loans, expounds several improved methods.We try to make some breakthrough in the theory and practice. The research results of the cases are mainly in providing data and evidence in providing loans and making up for the inadequacy of the current theoretical research in this area. Combined with the research of bank loans to small and medium-sized enterprises, give some advice to the bank in the small and medium-sized enterprise future loan, provide decision support to help banks solve the SME loans problem.