Status of response of SME banking services to SME needs

SME?s, which are a significant part of economy all over the world, are entrepreneurs, which are capable of taking rapid decisions, operating with intensive labor despite less capital, whose management expenses are low, and which thereby realize inexpensive production, instead of large industries. SME?s have turned into one of the primary activity fields of many financial institutions, primarily banks, upon the value they produce coming to forefront.This study, titled ?Status of Response of SME Banking Services to SME Needs?, comprises of four sections. The introduction, in which the aim and the scope, the method and the constraints of the study are present, is in the first part. In the second section, particulars of SME?s and SME definitions, made by many institutions, have been examined. On account of the fact that SME?s are the vital point of economy, the place they occupy in the total economy and incentives, presented by state to them, have been examined. Furthermore interest rates, reduced upon development of economy in recent years, has changed the point of view of banks in terms of SME?s, and service marketing policies of banks towards SME?s have been handled in detail.In the third section, the data, obtained through two separate survey practices, have been analyzed and evaluated. One of the said surveys has been applied on SME?s, and particulars of SME?s, mode of utilization from SME banking, and their expectations from these banks have been searched. Whereas the other survey has been applied on banks, rendering service to SME?s, and services, rendered to SME?s by these banks, problems encountered while rendering service, and marketing services and policies have been examined. The data obtained have been analyzed with statistical package programme and have been indicated in tables. In the fourth and the last part, the section of result and suggestions in the direction of the obtained data from the research on SME?s and banks, is present.Key Words: SME, SME Banking, Marketing, Service Marketing