Problems And Countermeasures Of Y Bank's Credit Service To Technology-based SMEs

In recent years,in view of the current domestic and international economic situation and practical experience,the state has introduced SME support policies and measures,especially since 2016 to strengthen the "public entrepreneurship,innovation","2025 Chinese manufacturing","Internet plus" policy guidelines,but in fact SME credit the service is not perfect which is common.Occupy the dominant position of the financial system in the Chinese case,for science and technology small and medium-sized enterprises,the lack of bank credit's service,get the support of commercial bank credit is not strong,simply rely on the financial support and other forms of financing,will be missing due to cash flow and inhibit the rapid development of science and technology of small and medium sized enterprises.In this paper,Y bank self service SME credit business model of "SIP" as the research foundation,through the process of the development of the "SIP" mode in the problem,and put forward the corresponding solutions to improve the "SIP" mode,in order to better the development of Y bank SME credit services.In order to achieve the strategic transformation of Y bank's development,we should gradually adjust the credit business,which is mainly targeted at technology-based SMEs,and increase the credit services and other financial products services for SMEs.We should enhance the awareness of investigation and research,do well in the service of technological SMEs,and develop enterprises that have potential and accurate credit to become strategic cooperative development enterprises.The exploration of this paper through the study of science and technology of small and medium sized enterprises and the existing "SIP" model,combined with the development of domestic and international experience,in-depth research on Y bank created the "SIP" pattern of development as well as the "SIP" mode,existing problems,mainly for the Y bank in the bank and Y the "SIP" mode of the construction process and related results,combined with the existing situation,including the "SIP" mode of development scale,the distribution of customers,customer quality,enterprise screening method,the principle of "business management SIP" mode,"SIP" mode of business management purpose and process etc..The connotation of science and technology finance further analysis,at the same time,in-depth study on the future development of SIP mode,from the perfect "SIP" mode of service mechanism,improve the "SIP" mode of credit service products,"SIP" mode of enterprises in different life cycle provide different strategies,and how to achieve the "win-win" five aspects put forward the optimization ideas and suggestions.The innovation of this paper is:(1)the innovative technology SMEs are taken as the research object.By analyzing the innovative practice of various credit institutions,we find that the credit service of our SMEs is urgent.(2)based on Y bank's own "SIP" mode,based on practice,we make full use of practical research methods to analyze the problems in the operation of SIP mode,and put forward corresponding development ideas according to the problems found.