A Development Strategy Research On Small And Micro Businesses Credit Operations Of Bank Of Ningxia

In2014, China’s economy is in the throes of restructuring, economic downward pressure is still large. But with the adjustment of economic structure, improve macroeconomic policy environment, Chinese enterprises have also ushered in an important development opportunity. MIIT on June18,2011promulgated the " on the issuance of SMEs plan type standard notice" for small and micro enterprises were clearly delineated, meet this standard small and micro enterprises prevalent around us. They are an important part of the national economy, to stimulate economic growth, prosperity and regional economy, increasing employment opportunities, narrowing the gap between urban and rural areas, and promote the construction of a harmonious society is important, is to promote the economic development of the country’s major emerging powers.Development of small and micro enterprises has been widespread concern in the government and all sectors of society. Promote the development of small and micro enterprises and small and medium enterprises is a major economic development initiatives and strategic transformation, restructuring, from central to local, from government to business, from the tax department to commercial banks have achieved a broad consensus for small and medium and small micro-enterprise development to create a favorable external environment. National has introduced the " People’s Republic of China SME Promotion Law "," the State Council on further promoting the development of SMEs"(Guo Fa [2009] No.36) and other regulations, multi-pronged approach to support small and micro enterprises, to reduce round tax burden.Small micro-enterprise credit business has been an important part of Ningxia banking. Bank of Ningxia adhere to service small and micro enterprises, and increase the intensity of credit resources configuration, and unswervingly to small and micro enterprises as the main target, and credit focus. By the end of2009, the CBRC approved the establishment of the autonomous region of Ningxia Bank pioneered the first agency specializing in small and micro enterprise loans-small enterprise credit center. In addition, the Bank of Ningxia also vigorously promote character, store business model, based on geography, industry and professional markets, etc., were established " lingwu cashmere loan center "," loans rather wolfberry center" eight financial service centers. Bank of Ningxia small micro-enterprise loans (including personal business loans) has been ranked the market share of the top financial institutions in the Ningxia region, for four consecutive years to achieve " small micro-enterprise loan growth not less than the average growth rate of all loans, higher than the incremental in the same period,"the goal. As a company committed to serving the regional economy, with distinct operating characteristics and influence of the local commercial banks, both in the context of the risks and benefits, and a keen grasp of small and micro enterprises in credit markets and the enormous business opportunities, should play to regional advantages, further expand market share in the small and micro enterprise credit business, to promote sustainable development of its small micro-lending business.