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融资活动是驱动中小企业持续发展的重要因子,而产品支持则是商业银行助力中小企业融资服务的关键环节。大型国有商业银行在产品结构设计、产品风险管控、产品支持渠道建设等方面具有独特优势。整合优势、协同运营,将会为大型商业银行的产品支持工作注入更多活力。本文从中小企业的融资需求特点与大型商业银行融资支持现状入手,以建设银行为例,从产品结构设计、产品支持服务等角度入手探讨提升其产品支持水平与效率的策略。
Financing activities are an important factor in the sustainable development of SMEs, and product support is a key link in commercial banks’ financing services for SMEs. Large state-owned commercial banks have unique advantages in product structure design, product risk control and product support channel construction. Integrating advantages and collaborative operations will inject more vitality into the product support work of large commercial banks. This paper starts with the characteristics of financing needs of small and medium-sized enterprises (SMEs) and the status quo of financing support for large commercial banks. Taking CCB as an example, this paper discusses the strategies to enhance the level and efficiency of product support from the aspects of product structure design and product support services.