Researches Into The Business Developing Strategies Of Small And Medium-sized Enterprises Of China Construction Bank, Zhangye Branch

The financing difficulties of small and medium-sized enterprises lie in the national financial system as well as in the enterprises themselves. Many factors contribute to these difficulties, on which the government, banks and enterprises have been working for years.This paper, based on the business development of China Construction Bank, Zhangye Branch, by analyzing the external and internal environment of small and medium-sized enterprises business development with SWOT method, puts forth the opinion that it is essential for China Construction Bank, Zhangye Branch to transform its business to the development of medium-sized enterprises credit business. Then the paper analyzes the market environment of developing small and medium-sized enterprises business: its challenges and advantageous conditions, and,by combining this analysis with the objective environment of developing small and medium-sized enterprises business, this paper also focuses on how to develop this business under the background of system transformation. At last the paper puts forward some suggestions on the business developing strategies of small and medium-sized enterprises of China Construction Bank, Zhangye Branch, such as : transforming developing concept and adjusting developing methods; choosing the appropriate credit model; creating new financial products; improving financial services; innovating promotion strategy, etc.