Research On Financing Loans Strategies Of G Bank H Branch Support SME Development

Along with high speed development market economy, the small and SME to thedevelopment of local economic is very importance, but faced with financing loans difficultdilemma, for a long time, The small and SME of Heilongjiang province’s development alwaysbehind in southeast China. Supporting the financing loans growth rate of SME is still farbehind the local economy, G bank H branch as a developmental financial institution has beencommitted to serving local economic construction, support SME financing loan’s favour, thepurpose of this research make feasible strategy to achieve H branch support SMEdevelopment financing loans strategic significance.At first of this research, by the related literature at home and abroad on the basis of study,this research expounds the developmental finance and SME development related theory andevaluated, Secondly, this research expounds the H branch support SME development currentsituation of financing loans, including the credit environment of Heilongjiang province, Hbranch own credit conditions and the existing SME loan situation, SME management presentsituation analysis, H branch to support the development of small and middle-sized enterprisesloan financing problems. In the related problems on the basis of summary, the researchanalyzes the causes of problems. Including: SME financing loans do not pay enough attention,lack of innovation consciousness and effective risk control. Thirdly, through to Heilongjiangbanking market analysis, internal and external environmental analysis and SWOT analysis tofind accord with H branch support SME development financing strategies, including marketpositioning, select the target market, project strategy, channel strategy and interest ratestrategy. At last, it puts forward strategy implementation safeguard measures, including:strengthening the innovation consciousness, strengthen the construction of the talents andincentive mechanism construction, strengthen the evaluation of employee and incentive.The major method of this research is conducting analysis according to practical surveystatistics of H branch.The research innovation mainly displays in the following three aspects:Firstly, a lot of data to support SME development for H branch strategic significance,Secondly, it is to determine the H branch support SME development financing loans marketpositioning and select the target market,, Thirdly, it is to strategy put forward securitymeasures.