The Postal Savings Bank Y Branch Small And Micro Businesses Credit Management Research

Small and micro enterprises is an important support for the development of the national economy.However,due to the size of its own limits and collateral insufficient and so on the many kinds of factors influence,their financing channels is extremely limited,is facing strong financing difficulties,which further affects the growth and expansion of their.All along,the majority of domestic commercial banks do not want to get involved in small and micro enterprises financial services.Under this background,the development and design of small and micro enterprise credit management system of commercial banks has multiple meanings.On the one hand,in response to national policy,make a contribution to solve the financing difficulties of small and micro enterprises;on the other hand,banks can in financial services to small and micro enterprises this piece of blue ocean market occupies a place,to avoid vicious competition and reduced profits.This paper on the basis of the postal savings bank branch y existing credit process and grade evaluation of existing situation analysis,for loans and loan before the loan process data collection and collation,find out problems existing in the credit process and grade evaluation,and carries on the empirical research and analysis.Using AHP to analyze and reconstruct the part of the credit rating evaluation,and put forward the improvement direction and improvement measures.Using qualitative analysis method of Y branch of the postal savings bank small micro enterprise credit management research and makes improvements in market access,approval process,operation process,and the improvement measures proposed method,from the aspects of management system,credit and technology,product design innovation proposed the theory method.In this paper,the development of small and micro enterprise credit management theory,to study the financial services of small and micro enterprises to provide a new perspective;in reality,for commercial banks to carry out small and micro enterprises financial services to provide theoretical guidance.