| During the 2015 NPC and CPPCC,Premier Li Keqiang pointed out in the government work report that the innovation and entrepreneurship become the impetus of economic development in China.Many people in the country began to strat an undertaking.For commercial banks,supporting the development of passenger,is not only an important manifestation of the response to the national,but also important initiatives to optimize the business structure.Small and medium-sized enterprises play a very important role in China’s national economy and social development.It is an important basis to keep the economy developing fast and well.The small and medium-sized enterprises of science and technology have the characteristics of high growth,great development potential,fast growth rate and high rate of return on investment.But at the same time,there are some problems,such as low operating stability,weak ability to resist risks,uncertainty,and lack of transparency.It become a great challenges to the commercial banks that how to solve the information asymmetry between the bank and the income,and how to improve service level of financial institutions.Based on the field investigation and questionnaire survey of a number of makers in Qingdao,access the information that the government agencies to support for innovation and entrepreneurship and the current economic environment.According to the different operating characteristics of the innovation enterprise development stage,the target group divided into initial stage,development stage and mature stage.The innovative enterprises have different operating characteristics and the demand of financial services in different stages of development.From the point of view of the bank,to strengthen the innovation enterprise support also can help commercial banks to achieve business transformation,expanding customer,and to create different competitive advantages.Due to the conflicts between the commercial banks operating mechanism and supporting the development of maker groups,there are many obstacles for banks in the marketing and product promotion process.Based on the current domestic policy and the reality of commercial banks,Learn from the successful operation experience of Silicon Valley bank,China Construction Bank "Fit" technology finance plan,Optics Valley branch of Hankou branch of Bank of china,Suggestions and Countermeasures for Qingdao branch of Agricultural Bank of China to provide effective support for innovation and entrepreneurship through financial innovation.In the business management system innovation,below approval authority,innovative security,improve operational efficiency;In terms of financial institutions,establishment of the exclusive service institutions such as technology banking,improve the scientific and technological financial services organization;In the aspect of financial product innovation,closely combined with government support policies to carry out product innovation,combined with the characteristics of the life cycle of innovation and entrepreneurship enterprises,providing product portfolio services,meet the diverse needs of innovation and entrepreneurship;In terms of marketing service model,Build a one-stop integrated service platform,establish brand effect,speed up the construction of professional team,strengthen cooperation with external agencies.Eventually build a collection of financial settlement,financing support,entrepreneurial guidance,product promotion as one of the full-service platform,to enhance the Agricultural Bank of China Qingdao branch of the financial services capabilities. |
