Study On Financial Service Innovation Practice Strategies For Small And Medium Enterprises Nanchang Bank

Commercial bank is the bank group, which has the largest number of average size in China’s banking industry, which is based on reform and innovation in recent years. But in the new historical period, commercial banks not only need to solve their own problems and difficulties, but also in the face of the domestic large banks and foreign banks increasingly fierce market competition, which put forward higher requirements for the development of urban commercial banks. However, these small and medium-sized enterprises are often faced with the development of capital shortage, but this is a huge business opportunities for commercial banks. Services to small and medium enterprises, to seize the finance market, can yet be regarded as to achieve win-win situation between banks and enterprises is the effective way, but how the financial service for small and medium-sized enterprises innovation, commercial banks should actively thinking about a problem. World developed countries in the small and medium enterprises in the financial service innovation has a lot of successful experience of China’s commercial banks to learn. To enhance their competitiveness and business development capabilities, Nanchang bank took the lead to seize the opportunity to innovate the financial services of small and medium enterprises and achieved some results. The research on the innovation of financial service for small and medium enterprises in Nanchang bank, not only can better promote the development of the Bank of Nanchang, but also has a positive effect on the development of small and medium-sized enterprises.Based on the research of Nanchang bank financial service innovation, the paper compares and analyzes the financing system, system and experience of small and medium-sized enterprises in the world, which reveals the mutual benefit relationship between financial service innovation and medium-sized enterprises in Nanchang.This paper for small and medium-sized enterprises in developing the problems and their causes are analyzed, summarized the development of small and medium-sized enterprises of financial service innovation put forward new requirements. Then, this paper investigates the Nanchang bank background and process of small and medium-sized enterprise financial service innovation practice, and on this basis, analyzed the Nanchang bank financial service innovation results and the deficiencies. At the same time, through the comparison and use for reference the experience of financial service innovation of small and medium-sized enterprises at home and abroad, this paper puts forward the Suggestions and measures of Nanchang bank financial service innovation, to improve the recognition of the importance of service for small and medium-sized enterprises, the increase in financial products innovation strength, to provide diversified comprehensive financial services for small and medium enterprises, innovation way of guarantee, streamline conduction process, improve the response speed and efficiency of small and medium-sized enterprise financial services, and constantly promote the innovation in human resources development and configuration mode.