Research On The Business Development Of The SMEs In Tangshan Branch Of China Construction Bank

SMEs are the basic cell of the national economy,it is to promote the healthy,sustained and stable development of an important force.In recent years,the central and local governments at all levels pay close attention to the development of SMEs,and introduced a series of fiscal,taxation and financial policies to support its development,and actively create a favorable environment for the development of SMEs.While the overall rapid development of SMEs,the Internet,science and technology and other emerging industries venture high,the traditional industries by means of a comprehensive information technology upgrade,it also brings opportunities for the development of SMEs.Tangshan branch of China Construction Bank as a large state-owned commercial banks,comply with national policy guidance,serve the local economy,develop small and medium business,not only when to do proper justice and social responsibility,but also to choose their own strategies to achieve sustainable development.SMEs in conducting business,how to seize the coordinated development of Beijing,Tianjin and the Bohai Economic Cooperation planning to bring excellent business opportunities,to resist the pressures and challenges financial institutions and non-financial institutions to play their own brand,size,services,personnel,etc.advantages aspect,to overcome the "big banks is to serve big business," the traditional thinking criticism,both to maintain the existing market,but also open up new markets,both concerned with the economic downturn has brought business risks for SMEs,but also concerned about the emergence of the new normal SME demand for new financial services,is the Tangshan branch of China Construction Bank facing the change of choice.In this paper,the theory of small and medium enterprises as an entry point to the CCB Tangshan points behavior study through its SME business overall,existing products and services,the existing business processes and the existing risk management analysis and found that the presence of "big help cold small " business philosophy,the lack of personalized products and services,the county business development is uneven,the problem higher long marketing,NPL ratio,etc..From the problems,we should point out the organizational structure in line with CCB response Tangshan branch..Through full discussion,as long as the CCB Tangshan branch of the direction of good SME business development,with comprehensive financial products and services as the core,product innovation and service as the power to the system and measures to implement for the protection,business process reengineering support,Take Measures,will be able to achieve effective growth of small and medium business,loan quality continues to improve,continue to improve operating efficiency.Also,it will occupy a leading position in the development of Tangshan in the SME business banking.