Research On Small Enterprise Financial Services Mode Optimized Of CMB

Small enterprises are the main force in national economy, They take essential effects on economic booms, promoting employment and marketization. Chinese government pays high attention on the development of small enterprises, and issued many preferential policies covered tax, finance to help them. In the business of commercial bank, the widening of financing channel reducing the credit demands of quality customers. Interest rate marketization reduced the policy dividend of commercial bank, and slighted the income of saving-loan interest rate spread. Therefore, commercial banks stress strategic attention on finance service of small enterprises in need of development.This study conducted on the small enterprise credit center of China Merchants Bank, analyzed the advantages and disadvantages of the service mode of small enterprise credit center, and optimized programs were suggested on organization, business progress and profit model, which will provide essential references to the development of small finance enterprises service in China Merchants Bank. The study was not limited in the traditional finance problem of small enterprises, but also the concrete measures of finance services on organization, comprehensive business and reconstruction of internal flow. Different from the traditional views of financing difficulties of small enterprises, this study focused on why and how to develop small enterprises finance services of China Merchants Bank. Literature analysis, questionnaire, case study and SWOT analysis were used. The results of this study will provide essential references for China Merchants Bank to develop better finance services of small enterprises, and give experience to other commercial banks especially banks with similar scale.