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Research on City Commercial Banks Serving Small and Medium-sized Enterprises

Author: SunRuiJuan
Tutor: LiuZuoFang
School: Capital University of Economics
Course: Finance
Keywords: City commercial banks SMEs Financing services
CLC: F832.33
Type: Master's thesis
Year: 2009
Downloads: 1055
Quote: 1
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Abstract


China 's city commercial banks reached 136 after 13 years of development , has become an important force in China 's financial institutions . The characteristics of China 's city commercial banks belonging to the local joint-stock commercial banks , to take up services for SMEs , services, local economy , \quantity is far from meeting the needs of their own development , and financing of SMEs become the bottleneck of the development of SMEs . The financial crisis in 2008 and gave the small and medium enterprises in China has brought unprecedented difficulties , how to cultivate the core competitiveness of city commercial banks to gain a competitive advantage , improve and solve the plight of the financing of SMEs for the city commercial banks and SMEs has great practical significance . In this paper, the reality of the current macro-economic development slowed down , increasing the impact of the financial crisis , from the financing situation of SMEs in China as well as the reality of the city commercial banks , introduced the advanced experience of small and medium banks at home and abroad to solve the financing problems of SMEs , using qualitative analysis and quantitative analysis combined approach analyzes the advantages and problems of city commercial banks on SME financing services , and proposed countermeasures for this problem . The basic conclusion of the study , and countermeasures are as follows : First , due to the small and medium enterprises to its own characteristics , information asymmetry , secured by mortgage difficulties , the current deterioration in the operating environment , the factors of credit mechanism resulting in SME financing difficulties . Secondly, the city commercial banking services to small and medium enterprises financing operating decisions quickly advantage , local government support competitive operating flexibility advantages of popularity, geographic advantage , cost advantage , centralized business advantage , while facing the market positioning fuzzy , lack of product for SMEs and services , the overall quality is not high , weak awareness of risk management issues . Finally , city commercial banks should be by insisting on the market position of SMEs , the establishment of financial products for SMEs , services , business models , processes , construction workforce for SME financing , strengthen risk management , improving SME financing difficult dilemma.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Financial organizations, banks > Commercial banks ( specialized banks )
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