Test Study On Strategy Of The Medium-sized And Small Enterprises Loans Of A Branch Of Bank Of China

In the process of socialist economic development in China,small and medium-sized customer groups have unique advantages and play an increasingly important role in the development of social economy.However,compared with the growth of small and medium-sized enterprises,the financing problems encountered by SMEs in the process of development,especially the problem of loans,are the core issues that restrict the long-term and steady development of smes.In recent years,although a series of policies concerning loans to SMEs have been launched from the state to the local,the problem of SME loans has not been fundamentally solved.Without sufficient funds,the development of small and medium-sized enterprises is seriously restricted in the actual process of production and management.Commercial banks in the credit business development process in recent years will also be loans to small and medium-sized enterprises as an important direction of development,but due to the special nature of small and medium-sized enterprises,small and medium-sized enterprises not as large state-owned enterprises as to obtain sufficient and low cost of funds,resulting in negative effects of SME loans.At the same time,in order to support economic development,commercial banks continue to increase SME loans,but faced with high non-performing rate,low income and other adverse effects,the development of commercial bank loans to small and medium enterprises limited.Based on the theory of management and loan of small and medium-sized enterprises and the domestic and foreign advanced development experience,to Chinese A branch of bank loans in the business of small and medium-sized enterprises in practice as the research object,analyzes the problems existing in the development,and put forward the optimization strategy according to their own experience.Through research,this paper has the following conclusions:Firstly,At present,China bank A branch in carrying out the process of SME loan business,loan capital supply shortage,meet bear loan risk degree is high,the adjustment of economic structure to deal with the lack of preparation,the SME loan practitioners lack of small and medium-sized enterprises,these problems restrict the long-term development of China Handan branch of the bank loans of small and medium enterprises.Secondly,the state-owned commercial banks should find a development path suitable to its own characteristics,especially the breakthrough of the traditional credit approval mode,innovation model of small and medium-sized enterprises loan varieties,establish and improve the assessment incentive policy etc.Thirdly,in order to carry out the loan business of small and medium-sized enterprises,to change the unfavorable situation of the development of Chinese,Bank of Handan branch,must first change their business philosophy,in the area of different customer base of small and medium-sized enterprises to develop differentiated services,and actively in the product type,the approval process of continuous innovation,to improve the level of small and medium-sized enterprises loan comprehensive services.