Application Of Risk-oriented And Differentiated Credit Strategy In SME Loan Business Of China Construction Bank Suzhou Branch

Under severe and complicated domestic and international economic situation, Suzhoumaintains a balanced social and economic development status-in recent years, which isinseparable from the constant and favorable development of many SMEs in Suzhou.According to the development characteristics of local economy, the China Construction BankSuzhou Branch (here in after called “CCBSZ”) focuses on developing SME loan businessunder the fierce market competition and has maintained a rapid growth in terms of number ofcustomers, amount of loans and other aspects. Meanwhile, CCBSZ has conducted beneficialexploration on innovation and differentiated operation of SME credit products and launchedthe "Quick Finance","Growth Path","Cash Channel and Mutual Help" and other differentiatedcredit products. However, the SME loan business has also encountered the developmentbottleneck. Especially during the economic downtown, the constant exposure of risks in SMEloans to some extent affects the development of SME loan business. Therefore, it becomesimportant and urgent to conduct a research on the application of risk-oriented anddifferentiated credit strategy in SME loan business of CCBSZ.This article starts from the background and significance of the application of risk-orientedand differentiated credit strategy in SME loan business of CCBSZ, with reference to thetheoretical analysis of domestic and foreign scholars on credit risk management of commercialbanks, innovation of SME credit products and SMEs credit strategies of commercial banks andso on, analyzes the financing characteristics of SMEs, status quo of SME loan business inCCBSZ, existing problems and the causes on the basis of life cycle theory, asymmetricinformation theory, industrial cluster theory, risk-oriented and differentiated strategies, thenproposes the design and implementation measures for the application of risk-oriented anddifferentiated credit strategy in SME loan business of CCBSZ.