Countermeasures On City Commercial Banks’ Credit Financing Business With Small And Medium-Sized Enterprises

The role of Small and medium-sized enterprises in the market to stimulate vitality, enhance economic efficiency and enhance scientific and technological innovation strength, increase revenue, promote employment and other irreplaceable, has become one of the main key factors driving China’s economic and social development. However, due to limitations and disadvantages of the various aspects of small and medium enterprises is difficult to finance from banks to the funds needed, as market competition intensifies, all banks have increased the intensity of services for SMEs, under control the size of credit, deposit limit loan ratio assessment system, financing risks and other factors, the financing difficulties of SMEs and no substantial improvement in the financing of small and medium enterprise development has become a major constraint resistance. In addition, as China’s capital market in the development stage, not yet ripe, there is no perfect system of direct financing, high financing costs, complicated procedures, bank credit still represents a significant proportion of the main ways for SMEs access to finance, the increase in SME support the intensity of this problem becomes imminent.City commercial banks, as an important part of commercial banks, in the service of local small and medium enterprises and residents, as well as to enhance local economic development and baking have been highly recognized by the local government and residents, especially in the financing of SMEs, due to geopolitical city commercial banks advantage, making the city the most dependent on small and medium businesses to become partners in the development and study how the relationship between SMEs and better services for enterprises is particularly important.Firstly, the theory of financing from the start, in a theoretical perspective discusses the financing of SMEs and SME financing in recent years, many scholars view theorists do a rough analysis, swot analysis of city commercial banks based on the combination Qilu Bank SME credit financing business, pointed out some problems and deficiencies of Qilu Bank credit financing business faces, and finally combined with the reality on the basis put forward some countermeasures city commercial banks SME credit financing business, including the use of supply chain model provides financial support to improve the financial product innovation, strengthen personnel training system, the integrated use of credit evaluation indicators. Paper points out city commercial banks play in financial services for SMEs in the important role of commercial banks to support small and medium enterprises is an inevitable choice of economic development, but the banks have to adapt to the new normal economic development, recognize the government, banks, enterprises in three dimensions The whole social and economic interaction, in order to better advantage of relying on the external environment, improve the ability of services to Small and medium-sized enterprises.