Research On The Strategy Of Chinese Commercial Banks To "SRDI" Enterprises

In recent years,with the increase of national policy attention,"SRDI" enterprises have entered a rapid development stage.Such enterprises focus on core business,have fine operation and management,have unique products,and have significant innovation capabilities.They have played an important role in promoting national economic development,scientific and technological innovation,technological progress,solving employment and building a powerful manufacturing country.Although the support of commercial banks to this group is increasing,due to high operational risk,lack of collateral,information asymmetry and other internal and external reasons,"SRDI" enterprises still generally face financing difficulties.With the help of relevant theories,the paper aims to analyze the reasons behind the financing difficulties faced by "SRDI" enterprises,select Bank P,which launched the special products earlier,as an example,analyze its strategies to support "SRDI" enterprises,and draw on the advanced experience of the banking industry in developed countries in supporting SMEs,and summarize the policy recommendations of commercial banks to optimize their support for "SRDI" enterprises,Promote and solve the financing difficulties of "SRDI" enterprises.First of all,the paper gives an overview of the "SRDI" enterprise group,and introduces the research background,significance,ideas,content,methods and research status at home and abroad.By means of literature reading,interview,comparative analysis and other research methods,we have extensively read relevant policy documents,domestic and foreign papers,periodicals,conference materials and other materials,and have visited many places such as banks,"SRDI" enterprises,regional equity trading centers,market supervision and administration bureau,intellectual property bureau,etc.,and interviewed with principals or staff to understand the financing status of "SRDI" enterprises,national policies Bank policy and its financing difficulties.Then,using the theories to introduce the basic concepts of "SRDI",financing and financing methods,enterprise life cycle theory,information asymmetry theory,priority financing theory and credit matching theory.Combined with the theory and practical experience learned,this paper analyzes the current situation of "specialized and special" enterprise financing,the current situation of bank support,and the internal and external causes of financing difficulties.Next,taking Bank P as an example,this paper analyzes the reasons and specific strategies for the bank to support "SRDI" enterprises.In 2019,when the first batch of "SRDI" list was launched,the bank launched product for “SRDI” enterprises.It is the first commercial bank in China to launch the "SRDI" service program,so its strategy is representative.P Bank has actively responded to national policies,practiced social responsibility,launched exclusive service programs,and accumulated advanced experience in customer selection,product innovation,assessment and incentive,approval mechanism and risk prevention and control.The article further takes Germany,the United States and Japan as examples to analyze the experience and practice of financial industry in supporting domestic SMEs.Germany has formed a good financial support system with policy-oriented banks as the leading factor and multi-bank complementary cooperation.The United States,relying on developed capital markets and advanced banking concepts,provides all-round financial services for its small and medium-sized enterprises.Japan has built a government-oriented policy-oriented financial system,which has greatly reduced the financing costs of small and medium-sized enterprises,which is worthy of our reference.Finally,on the basis of the previous analysis,the author puts forward policy suggestions on how commercial banks can optimize and support "specialized,specialized and new" enterprises,including optimizing the financial system guarantee,strengthening inter-bank complementary cooperation,innovating the financial service model,enriching the financial guarantee means,and providing "stock and debt loan" full-cycle services.This paper focuses on "SRDI" enterprises,analyzes the reasons why such groups are facing "financing difficulties" in combination with theory and practice,selects P Bank,which is a representative of the "SRDI" enterprises,as the research object for strategic analysis,and draws on the experience of developed countries in supporting small and medium-sized enterprises,and finally puts forward strategic suggestions,which has certain innovative significance in research ideas and research methods.