Research On Credit Products And Services For Small And Micro Enterprises Of Huishang Bank

Small and micro enterprises have played an important role for providing employment, creating demand, promoting sustainable and stable economic growth. China’s future development relies heavily on these enterprises. However, one of the biggest difficulties which they’re facing is the lack of funds and access to bank loans. The problem of financing of small and micro enterprises has become a bottleneck in their development. With a series of supportive policies, commercial banks continue to increase credit support of small and micro enterprises, and gradually increase the amount of loans to small and micro enterprises. However, small and micro enterprises are still faced with the problem of low credit rating, lack of mortgage assets and guarantee agencies.Huishang Bank has determined as promoting the business of small enterprises and becoming a regional mainstream bank as its policy. Huishang Bank has been creating its credit products and services for small and micro enterprises and improving the level of service to support and promote sustainable and healthy development of these enterprises. Huishang Bank has fully improved the mechanism construction, business ideas and models, organizational structure, development strategy and the allocation of credit resources and has made remarkable achievements in recent years.This text studies the current situation and existing problems of credit products and services of Huishang Bank for small and micro enterprises, and put forward measures and suggestions of the targeted their conduct financial services of small and micro enterprises.It provides a new way of thinking for commercial banks to enhance their core Competitive and risk management.This text has five chapters and each chapter is organized as follows:Chapter one is an introduction for research background, literature review of research at home and abroad, content and methods of research. Chapter two introduces the status of the financing situation of small and micro enterprises in China, and points out the reason of financing problem of small and micro enterprises from aspects of themselves, credit institutions and the policies. Then the text analyzes the significance of development for city commercial banks in small and micro enterprises credit servicesChapter three analyzes the small and micro enterprises credit products and services of Huishang Bank. This part is mainly on the organizational structure and management system, credit rating, loan pricing methods and product service system of Huishang Bank. Then it concludes the advantages of the bankChapter four evaluates credit business of small and micro enterprises of Huishang Bank. This part firstly analyzes disadvantages of the bank. Then it puts forward specific political recommendations.Chapter five concludes that city commercial banks should accelerate the pace of development of small micro-enterprise business when facing the with the current macro-economic running posture to obtain profitability, liquidity and security.