The Improvement Of SME Financing Services Systerm Of Bank Of Yingkou

With the increasingly development of economy, both financial institutions andgovernment and other public are aware of that SMEs are playing more and moreimportant roles in promoting national economic and social development. SMEs makesgreat contributions in increasing the employment rate of urban residents, promotingmarket prosperity, and promoting the economic to grow rapidly and steadily. However,SMEs have to struggle in their development process because of the difficultiesencountered in financing. Banks positively respond to the call of the government and tryto solve the financing problem of SMEs. As one of the top leader in the city commercialbanks, Bank of Yingkou should show out its own advantages, be committed tocontinuously enhance its own competitiveness and expand multi-profit sources to helpYingkou SME’s fast booming. Bank of Yingkou is selected as the research object in thisarticle. We analyze SME financing problems and the reasons of the problem, which isbased on a preliminary understanding of the SME financing status in its business scopes.We propose the corresponding countermeasures.This article is divided into three parts in logical order.The first part is the analysis on the present status of Bank of Yingkou’s SMEfinancing services. Under the description of the existing status of Bank of Yingkou’sSME financing services, there is a detailed analysis on the causes of the financingproblems. In the second part, we mainly elaborate the advantages and disadvantages ofBank of Yingkou’s SME financing services, so as to lay groundwork for later analysis.The last part is the countermeasures for Yingkou Bank to improve SME financingservices. Combined with theoretical studies and practical analysis, we propose somepractical solutions to improve the SMEs financing service system of Bank of Yingkoufrom the seven aspects including optimizing staff management, enhancing informationcovering, loan product innovation, interest rate concessions, strengthening servicemanagement, establishing the common interests between banks and enterprises, adjustingmeasures according to local conditions.