农发行小微企业客户贷前财务辅导方案-研究

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1、...农发行小微企业客户贷前财务辅导方案研究THEPROGRAMREACHOFIMPLEMENTINGFINANCIAlCOUNSELINGBEFOREAGRICUlTURAlDEVELOPMENTBANKOFCHINSMAllANDMICROENTERPRISECUSTOMERABSTRACTAfteryearsofdevelopment,smallandmicrobusinesses(SMBforshort)inChinahave achievedbrilliantresultsandoccupi

2、edapivotalpositioninChina'snationaleconomy.Small microenterpriseshavebeenanirreplaceablepositioninsocialandeconomic development,whichenhancethegrowthofdomesticeconomyandthedevelopmentofthe society.Butafterthefinancialcrisis,thefinancingdifficultiesofSMB

3、graduallycausedfor concern.WiththenationalpolicyofsupportingSMB,banksbringthesupportforsmall micro-enterprisecreditfacilitiesintheordinarycourseofbusiness.Thefinancingproblemof SMBinChinahavebecomeincreasinglyprominent.InChina,Oneoftheimportantreasonsof

4、 SMBfinancingdifficultiesisthefinancialmanagementconfusionandpoorcommunicationof bank-enterprisefinancialinformation.ItbecomesastumblingblockofSMBfinancing. BeforefinancedtheSMBwhichincludedintotheirownmarketing,Agricultural DevelopmentBankofChina(ADBC)

5、forshortimplementedfinancialcounselingwhich standardizedSMBfinancialmanagementandmadeSMBwithtrueinformationandaccurate datatobemoreinlinewiththerequirementsoftheADBC.RegulatingSMBfinancial managementandgivingthemfinancialcounselbeforefinancingcanspeedup

6、the bank-enterprisefinancialinformationcommunicationsmoothly.Itbecomesoneoftheeffective solutionsforthecurrentSMBfinancingdifficulties.Meanwhilebysyntheticallyconsideringthe bankcreditfundssecurity,efficiency,liquidityprinciple,thesolutioncansiftSMBtoth

7、ose withuniquecompetitiveadvantageandgrowthforADBC.ItreducedADBCcredit risk.ThroughDesignedveriousfinancialcounselingprogramforbusinessaccounting personnelsandbusinessoperators,itensurethequalityandeffectivenessoffinancialcounseling. Itisaneffectivewayt

8、oresolvetheconfusionofSMBfinancialmanagementandensurea smoothbank-enterprisefinancialinformationcommunication.KEYWORDS：smallandmicrobusinesses,financialinformation,financialcounseling,financingdifficulties......ii......河北工业大学工商管理