Research Contractor Banking Financial Services For SMEs Innovation

The conception of "Small and medium-sized enterprise" is the economic unit comparing with large-scale business in the same industry.As for development tendency in China, small and medium-sized enterprise is the main force of contemporary economic development of china, it is important in expanding the domestic demand、maintaining the steady economic growth, increasing financial income, increase employment, stable society, and etc.However presently, Chinese small and medium-sized enterprise financing difficult problem restricted further development of them and became the blockage.Baoshang Bank is a new joint stock commercial bank, which was established in1998, the predecessor is Baotou commercial bank. Since its inception, Baoshang Bank has always attached great value to the development of small and medium-sized enterprise financial business. Through the sincere cooperation with IPC Company, it has gradually formed its own management characteristic in the last few years, and explore a differentiation and specialized development road.Baoshang Bank is the faithful friend of small and medium-sized enterprise because its advanced operate notion and convenient credit processThis paper will use small and medium-sized enterprise as a clue, analysis the real connotation of the small and medium-sized enterprise, the backbone role of the national economic, the present situation of the financing difficulties, and discusses the cause of the problem. At the same time, according to the Boutou market, and Baoshang Bank existing credit model, this paper to solve the problem. In additional, this paper will also introduces the solutions of the small and medium-sized enterprise finance, innovation about the product design, changes in the credit ideas, and breakthroughs in business process of Baoshang Bank.