Small and Medium-sized Enterprises is a blue ocean for Specialized banks in China

Abstract

As a huge undeveloped market of specialized banks in China, Small and Medium Enterprises have their advantages and potentiality.

The purpose of this research is to assess the possibility of Small and Medium Enterprises become a blue ocean of specialized banks. The sample of this study is consisting of fifty directors of Small and medium enterprises and five managers of specialized banks. The stratified sampling technique is used to conduct selective screening in two cities in Hebei Province to ensure that only people who are knowledgeable about the issues under consideration are selected. The main data of the study comes from questionnaires. Through use descriptive statistical methods to analyze the data obtained from the research then get a reliable analysis of the performance of Small and medium-sized enterprises and get the possibility of Small and Medium Enterprises become a blue ocean of specialized banks.

Small and medium-sized enterprises have wide number and distribute into various industries in China. As an important part of the modern national economy, Small and medium-sized enterprises have absolute influence in both of developed countries and in developing countries.

Based on the number of Small and medium-sized enterprises, conditions of financing channel and scale of sales, Small and medium-sized enterprises provide its potentiality value for specialized banks. According the analysis of Small and medium-sized enterprises’ potentiality, provides some recommendations for specialized banks to help them find an appropriate way when deals with the application for lending.