CDB Financing Business Value Chain Analysis

Under the double considering of the situation about downward macroeconomic cycle and the shrinking of the traditional infrastructure business, China Development Bank need for business transformation about small and medium enterprises financial services. This is not only a effective way to solve the financing difficulties for small and medium enterprises, but also a good way to expanding the business, adjusting business structure and increasing revenue sources for China Development Bank.Based on the value chain, the thesis analyzes the small and medium enterprises financial services in China Development Bank, and put forward countermeasures and suggestions about CDB’s SME financing business. The thesis is divided into three parts with six chapters and the conclusion. The first part is the introduction to show the research background, significance, methods, train of thoughts and the contents. The second part is the main body part including chapter two to six. Through literature review and theoretical analysis to the inner and outer value chain of small and medium enterprises financial services in traditional commercial bank, the thesis construct the basic theory of the business value chain model, analysis the value chain about CDB’s small and medium enterprises financial services, and raise its problems and put forward countermeasures and suggestions. The last part is the conclusion of the contribution and deficiencies of the thesis.The main contribution of this paper is analyzing small and medium enterprises businesses in CDB from the perspective of the value chain, from all aspects of the value chain to put forward problems, give countermeasures and suggestions: enriching the way of financing; increasing small and medium enterprises financing business varieties; increasing the risk control professionals, risk control model, and reducing dependence on invisible government credit; increasing SME business marketing from the project entrance way; strengthen efforts to introduce technical and product development personnel; strengthen cooperation with securities, insurance, guarantees, investment companies, IT companies and other institutions, making the past simple cooperation into the deeper union. Launch venture capital funds, industry funds, Small and medium enterprises debt collection, supply chain loans and a series of financing activities which matching the value chain of CBD.