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The development of regional commercial banks and financing problem for SMEs

Author: CaoZuo
Tutor: CaoTingGui
School: Southwestern University of Finance and Economics
Course: Business Administration
Keywords: Regional commercial bank Market positioning SMEs Financing Chongqing
CLC: F276.3
Type: Master's thesis
Year: 2010
Downloads: 519
Quote: 0
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The regional commercial banks is the business scope of financial institutions in certain administrative areas. In recent years, due to external competition and internal market congenitally deficient, especially market positioning wavering factors influence the development of regional commercial banks facing huge pressure. The problem of financing has been a bottleneck restricting the further development of SMEs. The impact of the financial crisis, this problem becomes even more severe. Therefore, under the new historical background, regional commercial bank development strategy and financing problems of SMEs, regional commercial banks to rationalize the development of ideas, identify the direction of development and ease the financing difficulties of SMEs for important practical significance and long-term significance. In this paper, the development environment and the strategy of the analysis of regional commercial banks as the starting point for the characteristics of the financing needs of SMEs, research the comparative advantages of regional commercial bank in SME financing services and business strategy; Chongqing regional commercial banks, for example , summed up the experience gained in the SME Loan and the problems, and the problem proposed rationalization proposals. Text is divided into seven parts: the first part is the preface introduces the research background, significance and research framework; second part of the first chapter, an overview of the concept of regional commercial banks, characteristics and theoretical basis; The third part second chapter analyzes the realistic basis for the development of regional commercial banks, including the external environment, the development of the situation and the existing problems; fourth part is divided into the third chapter, an overview of the status of the definition and development of SMEs and SME financing characteristics and Financial Shortage; fifth part of the fourth chapter, analysis of the comparative advantages of regional commercial banks in SME credit, SME credit risk control strategy and operating strategy; Part VI of Chapter V, SME financing service regional commercial bank in Chongqing illustration; Part VII of Chapter VI, to do a comprehensive summary of the study, and the proposed inadequate research and future research directions. This study attempts to provide theoretical guidance and reference study regional commercial bank financing services for SMEs development strategy to promote the development of regional commercial banks, to ease the financing difficulties of SMEs. The main contribution of this paper include regional commercial banks, development status and future development direction and strategy are discussed in a new historical context; development of regional commercial banks as the starting point to study the solution path of the financing of SMEs, to address the small and medium-sized provides a new reference to the plight of corporate finance; provide reference for by summing up the experience and problems of SME financing services in Chongqing regional commercial banks, regional commercial banks to carry out operations. Development of regional commercial banks and SME financing problems, is a very real and urgent topic is the subject of a comprehensive, should be strengthened in the course of the study, the following areas of research: (1) In addition to the market positioning should be the development of regional commercial banks operating system, management philosophy, science and technology innovation, talent building, build a comprehensive support system development. (2) This article only from the general demand angle proposed regional commercial banks in SME credit strategy, future research should focus on the characteristics of the specific financing needs of the different regions, different industries, different stages of development of SMEs, business strategy. (3) to solve the financing problems of SMEs not only from the perfect banking services grabbed, should also be considering the construction of social credit system, the development of financial institutions, guarantee agencies improve various factors. In addition, in the course of the study due to data acquisition restrictions, coupled with the limited level of personal knowledge, the paper mainly focuses on the research and qualitative analysis on the macro, and the operating mechanism for the micro, case studies, quantitative analysis is quite lacking. This is the author's regret at.

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CLC: > Economic > Economic planning and management > Enterprise economy > A variety of enterprise and economic > Small and medium-sized enterprises, township enterprises
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