Minsheng Bank Of Xi’an"Business Credit Pass" Business Optimization Research

Small micro enterprise effectively promoted China’s economic growth and technological innovation, created a large number of jobs, is our country national economy development important foundation, and small micro enterprise financing is long-term hard to crack problem.Commercial Banks in external competition pressure and internal profits under, in succession to increase the small micro financial investment, to be treated as business transformation of the opportunity. However small micro enterprise customer quantity, industry wide distribution, the credit cycle is short, the loan line, with the small number of frequent, the risk is bigger, income is higher, the collateral and assure means scarce, and customer information acquisition more difficult business characteristics hindered the commercial bank financial products promotion. Therefore, the small micro enterprise to provide scientific and efficient financial services become our country commercial bank develop small micro financial business inevitable choice.Based on the new Basel agreement and the foreign advanced small micro enterprise financial service plan for analysis framework, combining minsheng bank xian branch existing small micro financial services products "business credit through" the traditional management experience, put forward "professional branch" and "innovative financing","perfect management" and so on small micro enterprise "business credit pass" financial service management mode. Now practice the people’s livelihood bank, xian branch basic according to the traditional pattern of financial management, and have achieved some results, however, at present, minsheng bank xian branch small micro financial services it is still in the initial stage, the little micro enterprise "business credit pass" business management many problems still exist, such as risk management organization structure is not rational, internal credit rating system pertinence is not strong and so on, this paper analyzes believed that these problems is the macro environment, small micro enterprise and the people’s livelihood bank, xian branch of internal common cause. In order to better serve the xian numerous small micro enterprise, this article takes the xian branch of bank of the people’s livelihood as a case, analyzes the minsheng bank xian branch small micro financial business in business and the risk in the blind spots, and to sum up the experience, and in the light of the specific issues measures are put forward. Based on the theoretical analysis and the people’s livelihood bank, xian branch small micro enterprise "business credit pass" loan process research, puts forward the xian branch of bank of the people’s livelihood to small micro enterprise "business credit pass" financial service countermeasures and Suggestions:to establish special small micro financial business department, construction in small small enterprise loan internal credit rating system, strengthen and external agency cooperation, rich small micro financial products and services, set up a small small enterprise loan risk pricing mechanism.