Research On The Innovation Of The Management Mechanism Of Small Business Financial Products In H Bank

Since the reform and opening up, the number and quality of small enterprises in China have been developing rapidly. Whether it is political, economic or technological, social environment, small businesses have encountered unprecedented good opportunity. However in the expansion of small businesses, there have been numerous problems, difficulty in financing is one of the a outstanding problems. To solve this problem, a lot of banks to make useful exploration and contribution, in which the choice of H banks in this regard has accumulated a certain practical experience.Bank H is the China Banking Regulatory Commission approved the establishment of the first domestic set up by the city commercial banks, city credit cooperatives joint reorganization of regional joint-stock commercial banks headquartered in, Hefei City, Anhui Province. Since its inception, H bank has always adhered to the service of local economy, service small and medium enterprises, service the majority of people’s market positioning, business continued rapid development, comprehensive strength gradually enhanced, management level steadily, scale, quality, benefit coordination development, establish a good social image, has become Anhui province and the national banking industry has a high visibility and a certain influence of regional commercial banks, has been fully affirmed and widespread praise.On the organizational structure, H bank to meet the needs of small and medium enterprise customers personalized needs as the center, to build a multi-level organization structure, that is, the characteristics of small business marketing, branch of small business management center as a business carrier, the head office of small business banking as a management platform, risk control and operation management and support for the support of multi-layer three-dimensional organization structure. To improve the efficiency of loan approval and service quality through the professional service team and the design standard business model. As of the end of the first half of 2015, in addition to the 3 branches, H bank has set up a small business center in all branches of the bank, which has set up a small business characteristics of 44 branches.H bank is committed to provide differentiated products and services for SME customers. Among them, "Newell 360 small business financial products brand according to the enterprise in the different needs of the establishment, growth and maturity stage, financial products 50 balance for the small enterprises tailored;" Eagles "and" Little Giant "small business service brand, through six platform (quality financial services, cooperation and exchange, venture investment, policy information, the growth of entrepreneurs, a culture of integrity, etc.) to build and strengthen between banks and enterprises by exchanges and cooperation, for small and medium-sized enterprises provide a comprehensive package of gold financial services and value-added services to promote enterprise Qiangqiang joint development. As of the end of 2014, we have set up 22 small and medium enterprises in the province’s "Little Giant" club, through the cross cycle, the full range of service ideas and continuous differentiation of services, the bank has trained a number of high quality small and medium enterprises, many of which have become the industry leader, some companies have successfully listed.In this paper, we focus on the current situation of H bank’s financial products innovation, and make a research on the existing problems, and put forward some suggestions based on the analysis of satisfaction. This has very important significance for the construction of small enterprise financial products innovation system, improve the core competitiveness of H bank.The full text altogether has eight chapters, each chapter’s structure arrangement and the content are as follows:The first chapter is the introduction, the research background, research purpose and significance, domestic and foreign research status, research ideas and research methods, as well as the study of the difficulty and innovation points.The second chapter starts with the definition of small enterprises, introduces the definition of small enterprises at home and abroad, and analyzes the theory of financial innovation, such as technological advance, avoidance of regulation, monetary growth, wealth growth, constraint induced, system reform and transaction cost theory.The third chapter introduces the innovative practice of small business financial products in domestic and foreign commercial banks. "Outside the Box jade", this leads to analysis of the current situation of small business financial products H bank in the next chapter.The fourth chapter analyzes the present situation of H bank’s financial product innovation, while the small business scope begins, extends to the product innovation process and organization structure, and then to the characteristic product and financial brand, and draws the outline of H bank’s financial product innovation.In the fifth chapter, the author makes an empirical analysis on the satisfaction degree of small business financial products of H bank by setting up the satisfaction measurement system, and focuses on the construction of the index system and the design of the application process.On the basis of the analysis of the results of the last chapter, the sixth chapter analyzes the problems of the small enterprise financial products innovation in H bank.The seventh chapter is about the problem, find the countermeasure, find the change, combined with the H bank’s own situation, put forward the solution to the problem.The eighth chapter is the conclusion part, combined with the H bank’s own situation and satisfaction evaluation empirical analysis, proposed H bank only to accelerate the innovation of small business financial products, improve the customer satisfaction, can be in the fierce market competition environment to seize the initiative.