A Study On The Financial Sevices Mode For Small Business By CS City Commencial Banks

According to World Bank statistics, in2012, is about more than4200small and medium-sized enterprises in our country, accounting for99.8%of the total number of enterprises, the number of small and medium-sized enterprises by the industrial and commercial registration of4.6million individual and private enterprises of38million. The rapid development of small and medium-sized private enterprises at the same time, also met a lot of problems. Among them, the money is tight, the narrow financing channel has become an important factor of restricting the development of small and medium-sized enterprises. And the development of small business customer base, is one of the important groups highlighting Chinese banking financial institutions. Especially the city commercial bank limited, regional restrictions, regulatory scrutiny and their corporate governance factors, such as the development of small micro enterprise more urgent, for small businesses financing service mode innovation needs to be more timely and quickly. In the domestic financial system reform, financial liberalization and financial disintermediation institutional reengineering revolution period, how to effectively service for small and medium-sized enterprises, and stronger to do fine regional markets, is the city commercial bank is an urgent need to solve the problem.Research of this paper is divided into five parts:the first part of this article the research background and significance of sufficient argument, systematic analysis of the current city commercial bank developing small micro enterprises the importance, necessity and inevitability; In second part of defining the relevant concepts, on the basis of clear the research object of this article small micro enterprise specific definition and classification, further to small micro enterprise financing model of urban commercial Banks innovation motivation was analyzed, and the small micro enterprises to the development of the city commercial Banks small financial service innovation to provide theoretical and practical support; The third part in changsha Banks, for example, in view of the bank of changsha made an analysis on more than three thousand small micro enterprise customer. In hire professional consultants, on the basis of detailed questionnaire was designed, and has carried on the statistics and analysis of the results of the survey, from the basic situation, the management present situation and the financing situation of small micro enterprise business characteristics and systematically analyzes the current financing environment, provide data support for the small micro enterprise financing model building. The fourth part constructs the innovative city commercial Banks small micro enterprise financing mode. Financing model’s goal is to become bigger and stronger regional market inner city firm small micro financial business. On the concrete implementation, city commercial Banks from the innovation organization structure optimization, the product structure and resource structure optimization three aspects has carried on the system innovation and reconstruction, on the organization structure optimization, and absorbs the advanced experience of minsheng bank division system reform, set up industry finance, in the industry, on the basis of in-depth study, from the industry scale, balance sheets, profit margins and so on comprehensive consideration and design of financial products, and set up a special small micro enterprise credit service, and provide customized services to small enterprises; Innovation in product structure, to mortgage, pledge, and credit loan and so on has carried on the comprehensive innovation, and develop a long xiang borrow the competitive core credit products such as; In terms of resource structure optimization, external tap citizens bank status, integration of city commercial Banks in the areas of resources, internal adjust the human resource management models, to integrate internal and external resources. The fifth part according to the basic contents of the research conclusion, and further to the shortcomings of this article and further research directions are discussed.This article’s innovation mainly include:(1) the research Angle of view. Based on the investigation analysis and case analysis, the establishment of small and medium-sized enterprise financing industry features and requirements of questionnaire, entrust a specialized institutions in changsha Banks surveyed2460small business customers in the home, and USES the basic method of mathematical statistics are analyzed, the results for the city commercial bank’s overall development strategy and business development provides a new research perspective.(2) the research based on the asymmetric information theory, the theory of asset pricing model analysis of the countermeasures of small and medium-sized enterprise financing difficult to solve the lack of based on case analysis and mass data to support empirical research, this paper USES the theory research, survey research, case analysis, construction of city commercial Banks small micro enterprise financing mode, is not only the beneficial exploration for small and medium-sized enterprise financing model, is a core competitiveness of city commercial Banks to build effective supplement.