Research On The Development Strategy Of Small Business Credit Business Of The Shaanxi Branch Of China Construction Bank

Nowadays,given that the percentage of small enterprises has accounted for over 90% among domestic enterprises,small enterprises tend to have a significant impact on the economic development and social stability nationwide.In 2016,the number of small firms registered newly had reached more than 5 million.Furthermore,the capability of small enterprises had been over 2 million and the number of private firms registered had been over 100 thousand just in Shaanxi province in 2016.Recent years,due to the poor economic performance,some industries small enterprises involved have been at risk and the bankruptcy trend of small companies gradually transfer from the coastal region in the southeast to inward mainland.Besides,owing to the limitations of the scale,HR,assets and market size etc.,small enterprises seem difficult to achieve financial support from banks according to the traditional pattern of credit.Therefore,the issues of difficult finance and expensive finance may not be addressed effectively.As for the Shaanxi branch of China Construction Bank,its department of small enterprise business was established in 2008 and always sticks to the business philosophy,in terms of more focus on small and heavy attention on small.Furthermore,the branch has been leading the direction of support for small firms among state-owned commercial banks and some important indicators such as the outstanding loans,total client amount,loan increments,and client increments have achieved the NO.1 among The Four(China Construction Bank,Bank of China,Industrial and Commercial Bank of China,Agricultural Bank of China).Besides,China Construction Bank has significant advantages compared to other banks such as higher social influence,positive brand value,intensive customer network,creatively special production and services.Some issues,however,in terms of exposure to the risk of troublesome customers,the limitations of HR and the bottleneck arising from traditional business patterns,have constrained the development of business to some extent.On the other hand,owing to the political support from the government,the encouragement from the supervision department and the opportunity from the head office,the Shaanxi Branch seems to face fierce competition and therefore needs to transform and upgrade its business.The purpose of this project is to examine the strategic application of the small enterprise business based on the case studies among Shaanxi branch of China construction bank.The method will adopt SWOT analysis from many perspectives such as the establishment of platforms,the screening of customers,the creativity of products,the development of systems and the quality of employees.