| At present,along with the rapid development of small and micro enterprises in China,and influenced by various external factors,some business running problems arise,for example,high debt-asset ratio,common tax evasion,low credit rating,high financing guarantee difficulty.All these things,especially financing difficulty,frustrate the development of small and micro enterprises.The common reasons of financing difficulty are as follows:first,small and micro enterprises are unable to provide banks with more comprehensive financial statements because of their imperfect financial system.Second,they always fail to repay the bank loan interest on time in their initial stage for lack of legal awareness,which leads to the enterprise’s credit rating lowered.These in turn make the enterprises hard to finance,thus do bad to their further development.Scholars have conducted a series of research on small and micro enterprises so far,finding that it is the non-standard management of small and micro enterprise and information asymmetry and other factors that make small and micro enterprises’ financing become more difficult.Besides,other scholars also put forward some policy suggestions and make a macroscopic study which limit attention to aspects of support for small and micro enterprises’ financing and perfect financing guarantee system.Few scholars analyze the bank financing business for small and micro enterprises systematically and comprehensively.For the reasons mentioned above,this paper selects the Hohhot branch of China Merchants Bank as a sample to analyze the financing business for small and micro enterprises,based on the former relative research background,significance of research and research summary.Firstly,this paper analyzes the development background of Hohhot,including the research on Hohhot branch and the banking in Inner Mongolia.Then,it analyzes the operation state of Hohhot branch of China Merchants Bank and the running state of small and micro enterprises.Third,it analyze the strategic capabilities dealing with the small and micro enterprises’ credit business in the Hohhot branch of China Merchants Bank,putting forward the strategies to relevant problems.By studying,this paper find that the Hohhot branch of China Merchants Bank has the following advantages:attaching great importance to the small and micro enterprises’ financing business,simplifying the decision-making process without too many authorities,and having a brand advantage over other banks.On the other hand,there are also some disadvantages.First,the Small and Micro Enterprises Customer Managers of the Hohhot branch of China Merchants Bank aren’t competitive enough.Second,the number of branches is fewer.Third,the financial products also have a disadvantage of homogeneity.Besides,with the increasingly strict financial regulation,the loan demands are largely affected by the macro environment,and the interest rate liberalization pushes loan interest rate down,loan business risk pressure increases,some credible small and micro enterprises over-financed.These all have adverse influence on the development of financing business for small and micro enterprises.To cope with those problems,the Hohhot branch should define the market positioning clearly,control the risk of small financing business strictly,improve the small and micro enterprise financial products innovation mechanism,strengthen the management of financial resources,implement differentiated service strategy,improve the financing function of credit cards,and enhance the market competitiveness of small and micro enterprises. |
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