Langfang Branch Of Bank Of China SME Credit Businss Research Report

Small and medium-sized enterprises make a outstanding contribution to the dev elopment of national economy and play a important role as a powerful force driving the economy.Due to the development particularity of small and medium-sized enterpr ise of our country.they have the common problems of financing difficulties.According to statistics, only 2% of small and medium-sized enterprises have direct financing c hannels, while 90% of them still need the traditional financing channels which is app ling to commercial Banks for loans to meet the demand. But there is a widespread p roblem which they are faced with that the assets is limited,production scale is small, the premises are not fixed.Meanwhile the small and medium-sized enterprise lack of credit records and all of these make it hard for small and medium-sized enterprises to get loans from the bank. As to reduce the management risk, the commercial ban ks make loans to small and medium enterprises generally to adopt in the form of m ortgage loans.Their property which can be used as the mortgaged property such as la nd, house property is less,which is difficult to meet the requirements of banks in the process of loan of the mortgaged property. It makes small and medium-sized enter prises to get bank loans a difficult problem.In recent years, the bank of China actively support the development of small a nd medium-sized enterprises as well as looking for new profit growth point. On the basis of innovation "boc credit factory" this kind of new mode of small and medium-sized enterprise credit to solve the problem of financing difficulties of small and me dium-sized enterprises. Langfang branch of the bank of China is also actively to try this new mode of small and medium-sized enterprise credit to business development.Through the analysis of the overall development of Langfang economic situatio n, the development of small and medium-sized enterprises in langfang and the develo pment of small and medium-sized enterprise credit business of Langfang branch of th e bank of China.Withthe questionnaire and on-the-spot visiting way,some problem is found such as low personnel quality, weak risk management, customer base and marketing ability and so on.The cause of these problems lies in the market maturity is relatively low. "boc credit factory" new mode of small and medium-sized enterpri ses credit needs further digestion in risk management ability and post-loan manageme nt concept.Aiming at the problems in the process of business, it puts forward several feasible optimization countermeasures including choice for loans focus, service and p roduct innovation, process approval and risk prevention measures and so on.Through the several aspects, langfang branch of the bank of China’s small and medium-sized enterprise credit business will develope more healthy and orderly.