Research And Strategies On Erenhot Rural Cooperative Bank Supporting Samll And Medium Enterprises Development

Since the reform and opening up,with the rapid development of China's social economy,small and medium-sized enterprises have also made great progress and become more and more important in the national economy.From the point of view of the development history of domestic small and medium-sized enterprises,the shortage of funds has become the bottleneck of the sustained and rapid development of small and medium-sized enterprises,and the preference of financial market investment.Although large state-owned commercial banks and joint-stock banks are also gradually strengthening their cooperation with small and medium-sized enterprises,they are compared with the characteristics of rural small and medium-sized financial institutions with a wide range of points.There is not only a deep foundation but also a broad prospect of cooperation between small and medium financial institutions and micro-enterprises in rural areas.Therefore,seek rural small and medium-sized financial institutions and The effective way of cooperation between small and medium-sized enterprises is of great significance to support the sustained and rapid development of small and medium-sized enterprises and to promote the development of small and medium-sized financial institutions in rural areas.To solve the problem of financing difficulties,enterprises,banks and society need to work together to complete it.On the one hand,small and medium-sized enterprises need to strengthen their internal management,improve their financial system,raise their credit awareness and reduce their credit risk to promote their own healthy development and meet the financing conditions of banks.On the other hand,banks also need to deepen reform.Change management concept and innovate products to meet the needs of small and medium enterprises for financial services.At the same time,the Government In the aspect of managing the market,we should adjust the policy,perfect the system construction,cultivate the good social credit ecological environment,so as to promote the small and medium-sized enterprises to realize the large-scale operation step by step.This paper takes the Erenhot Rural Cooperative Bank(hereinafter referred to as"Erenhot Cooperative Bank")as the research object,through the study of the current situation of cooperation with small and medium-sized enterprises,finds out the existing problems of enterprise financing.However,the causes of the problems and the direction of the enterprises should be adjusted are not discussed,this paper focuses on the banking level of the problems and the causes of the formation of the analysis.Additional government policy advice on market regulation This article also does not do the thorough research.In the first chapter,the author expounds the background,purpose,contents and methods of the research,points out the innovation and deficiency of the research,and introduces the relevant theories of the research basis and the research results of experts and scholars at home and abroad.The third chapter introduces the basic situation of Erenhot Cooperative Bank,and analyzes the current situation of supporting the development of small and medium-sized enterprises,the third chapter focuses on the questionnaire analysis;The fourth chapter,based on the questionnaire analysis and research,combined with the practice of Erenhot Cooperative Bank to support the development of small and medium-sized enterprises to find out the financing difficulties of enterprises and the formation of the reasons;the fifth chapter introduces the domestic and foreign banks to support small and medium-sized enterprises.The sixth chapter is the conclusion of the research and the relevant policy recommendations.Policies and recommendations:(1)speeding up the reform of the property right system and perfecting the corporate governance structure;(2)adjusting internal organization structure with market orientation;(3)improving the level of internal scientific management and perfecting the internal examination mechanism;(4)adjusting the structure of human resources to train all kinds of professionals;(5)accelerating the construction of a comprehensive risk management system;(6)establish a scientific financing evaluation system.It is hoped that the above policy suggestions can also provide useful reference toother rural commercial banks(rural cooperative banks,rural credit cooperatives).