| Currently, small and middle enterprise(SME) has become one of the most activestrength in the national economy. In Hunan province economical and socialdevelopment, SME plays a pivotal role,becoming the new force in the export-orientedeconomic development of Hunan province. At the same time, the huge profit pressurestimulates these banks to explore high-quality customer of SME,to seek new profitgrowth point.Bank of China Hunan implements the provincial policy, activelysupporting the development of SME in export-oriented economy, aimed to refine andimprove financial services for SME. As the province’s trade service unit, Bank ofChina Hunan thoroughly implement the Provincial Policy to actively support thedevelopment of SMEs in export-oriented economy, through institutional innovation,service innovation, and to seek support from government policies to improve financialservices of defects and deficiencies for SMEs, improving the overall service level. Onthe one hand,the export-oriented SMEs in the economic development are existing alarge financing needs, on the other hand, in the background of the following types ofrisk considerations,the Bank of China enlarged the financial support for thedevelopment of export-oriented SMEs economy in Hunan on its comparativeadvantage, which has important significance for SME and the banks`developmentand growth.This article research attempts from the review of export-oriented SMEs`economic development theory and the financial support theory to SME of commercialbanks.Through the analysis of current development of the Hunan SMEs, the status ofexport-oriented economic development, and financing support situation, defining thefinancing difficulties and constraints the SMEs faced with,expanding from threeangles,including the SMEs,financial institutions and social environment. Thenintroducing the Bank of China comparative advantage in supporting theexport-oriented SME and the international settlement business volume it has made inHunan Branch,combined with the SME credit support policy documents and existingdata on finance of the SEM in Bank of China Hunan,analysis the financial strategiesand credit finance mode for the SME to explore export-oriented business in the Bankof China Hunan, the financial implementation for the current economic,the scale ofthe financial support for the SEM business.This part mainly uses data analysis and comparative analysis methods.On this base,I describe the problems faced with Bankof China Hunan in export-oriented business,furthermore I explore the internal andexternal constraints from Bank of China Hunan in providing financial support forSME.Finally, aiming at these constraint factors,the last part spreads over the bankingsystem, the financial product innovation and local government financial support,putting forward to complete SME financial service in the Bank of China Hunan andexpanding support for export-oriented economy. |
