The Study On Improving SEMs Financial Services For Qingdao Branch Of China Construction Bank

Since reform and opening-up, the financial system reform are unceasingly deepen, the small-medium enterprises (SMEs) have been developing very well and their financial service demand is large. By2011, the number of small and medium-sized enterprises in our country have accounted for99%of the total number of registered enterprises in our country, the gross value of industrial output, sales revenue, profit tax, total exports accounted for60%,57%,43%and57%respectively, and provides75%of the town employment opportunity.In the system of economical and social development in Qingdao, massive small and medium-sized enterprises are of importance in the GDP. They have become the engine and the propeller of development in Qingdao. At the same time, huge profit pressure will urge various banks to pay attention to SMEs, making them as the new profit increasing point. Therefore, Qingdao branch of China Construction Bank should take some measures to develop the financial service for SMEs。Firstly, the paper introduces the basic theory of providing financial services for SMEs by commercial banks. On the basis of the above, this dissertation analyzes the present situation which Qingdao branch of China Construction Bank offer financial services to SMEs. Then the paper analyzes feasibility that the Qingdao branch of China Construction Bank offer financial services to SMEs.. Therefore, Qingdao branch of China Construction Bank should improve in various aspects urgently.