Rural Commercial Bank SD Branch SME Credit Business Risk Assessment And Strategy Research

In recent years,domestic commercial banks are facing increasingly fierce external competition,banks more clearly recognize the importance of banks for clients.Without good customer resources,banks will not be able to develop.In this situation,how to use the new business forms to attract new customers and improve the loyalty of old customers has become the current urgent task facing the domestic rural commercial bank.With the progress of the economy in our country opening to the outside world,foreign financial institutions poured into China,bank of agribusiness is faced with increasingly fierce competition environment,the traditional alongside large family business model is hard to maintain the bank’s profit growth.Small and medium-sized enterprises in our country,on the other hand,support economic growth and maintain social stability development occupies a more and more important role,but the development of small and medium-sized enterprises objectively is faced with many unfavorable factors,including financing problems is considered to be the biggest obstacle,limiting embodied in can enter less financing channels,the existing agribusiness bank financing business system can provide support for its severe fatigue.On the other hand,small and medium-sized enterprises are playing an increasingly important role in supporting economic growth and maintaining social stability,but the development of smes also faces many unfavorable factors,among which the financing problem is regarded as the biggest obstacle to its development,which is manifested as the lack of accessible financing channels and the serious lack of support provided by the financing business system of small and medium-sized enterprises in rural commercial Banks.In this context,the author combined with China’s agribusiness bank recently trade financing business,the development trend of the domestic agricultural commercial bank financing business development the necessity and significance to make a reasonable analysis.About how the system description of the agriculture bank of small and medium-sized enterprise financing innovation development direction,this needs us starting from the actual demand of enterprise combining with the bank to meet customer two aspects to analysis.Based on agribusiness between Banks and small and medium-sized enterprise actual financing case,farmers in China merchants bank financing for small and medium enterprises development products to improve their own business interests,reduce the financial cost of export enterprises,reduce the pressure on capital turnover is of great significance.Also for the development of the bank strategic objectives and improve the core competition ability has a positive influence,agribusiness Banks can through such products and services,achieve win-win situation between Banks and enterprises.