The Research Of Financing Services Provided By SDZD Bank For Small And Medium-sized Enterprises

Small and medium-sized enterprises as an important component of market economy in China,is an important force for promoting the sustained and steady economic growth in china.But due to the limited scale of small and medium-sized enterprise itself,the basis of small and medium-sized enterprises on production and business is weak,the commercial Banks must take into account of thr risk management on it,combined with the exist of asymmetry on information between Banks and small and medium enterprises,commercial Banks tend to set high threshold for small and medium-sized enterprises in financing,so the financing problem has always been the bottleneck of restricting the development of small and medium-sized enterprises.Recent years,with the development of national economy,The power of large enterprises is increasing,the domestic large enterprises has growing bargaining power with commercial Banks,as a result,the contribution of large enterprises for commercial bank has dropped,in order to maintain their growing profits,the domestic commercial banks tend to intensify efforts to its strategic transformation,and expand retail banking,the financing services for small and medium-sized enterprises is becoming more and more important.So,it is so important for the commercial banks to seize the small and medium-sized enterprises for its development,small and medium-sized enterprises financial business will become a new growth point in profit of bank.SDZD bank is a large joint-stock commercial bank in our district,it take the leading position in deposit and loan business market in the major commercial banks in my area.Loan of small and medium-sized enterprises is the main land of SDZD bank financing business.From recent years,Shanghai Pudong Development Bank,Industrial Bank,China Everbright Bank and other commercial banks have set up branch in my district,the banks involved,the competition with the banks in my district is becoming fierce,in the face of increasingly fierce competition in the future,how to grasp the lifeline of the market,firmly grasp the market position of the financing of small and medium-sized enterprises is an important topic in the research of SDZD bank.Therefore,this article starts from the current situation of services for small and medium-sized enterprises of SDZD bank,this paper used the literature analysis method,in combination with theoretical research and empirical analysis,systems analysis,carefully analyses the financing process for small and medium-sized enterprises of the SDZD bank,analyzes the the financing problems for small and medium-sized enterprises of SDZD bank:firstly,the emphasis of services for small and medium-sized enterprises is not enough;Secondly,financing products of SDZD bank is single,SDZD bank lacks of innovation in financing products;Thirdly,the loan procedure complex,service efficiency is low.For the financing problems of SDZD bank in small and medium-sized enterprise,this article put forward the corresponding solution countermeasures:firstly,firmly establish the concept of service for small and medium-sized enterprises;Secondly,make different financing services for small and medium-sized enterprises;Thirdly,On the basis of provides the high-quality service increases risk controls;Fourthly,SDZD bank should make innovation on business product and modify the credit process;Fifthly,SDZD bank should build the credit team to have both ability and political integrity.So SDZD bank can achieve better service requirements for small and medium-sized enterprises,at the same time,it can realize the perfection of its consolidated market's own development strategic target.This article put forward its own solution on the base of the actual situation of the financing services for small and medium-sized enterprises,it has the high practicability,it can also provide a strong reference for the financing services for small and medium enterprises of SDZD bank in the futrue,at the same time,along with the SDZD bank financing for small and medium enterprises to raise the level,small and medium-sized enterprises will benefit a lot,so as to make a win-win situation between Banks and enterprises,to make more contribution to the development of regional economy.