A Study On The Development Of Small And Micro-sized Enterprises Credit Business Of Z Bank

With the continuous development of social economy in our country, the role and function of small and micro-sized enterprises (SMEs) economy in social economy become more and more important, and it has played a positive role in many economic and social issues. The government pays increasing attention to the development of SMEs economy, especially to the financing of SMEs. The central government and financial regulators have issued a number of policies to support the credit of SMEs, and therefore the credit business of SMEs has got a rapid development.Throughout the development course of SMEs credit business, the banks have experienced a profound change on the aspects of policy support, the direction and mode of development, credit structure and so on. The banks initially refused to develop the SMEs credit business, and later on, they began to promote it and some joint-stock commercial banks even listed it as the focus of their business development; the loan type has changed from single mortgage to all-round and diversified development; at first the banks merely pursued the increase of the credit scale, and then they began to pay attention to the profit of integrated operation; accordingly, SMEs credit business has rapidly got a great development.Our country is in the important moment of social economic structure adjustment, economic growth mode transformation and industrial upgrading, and therefore the development of SMEs economy is facing a relatively complicated situation.In order to raise the level of development of SMEs credit business and to promote the development of SMEs economy, this thesis bases its analysis and research on the example of SMEs credit business development of Z bank and offers a proposal for the development of SMEs credit business on the basis of the related theories. The thesis can be divided into six parts.Chapter One is introduction, and the author introduces the background and the significance of the research, domestic and international research status, ideas and methods and innovation and deficiency of the thesis. In Chapter Two, the author mainly introduces the definition of SMEs, the characteristics and influencing factors of SMEs credit business and related theories.In Chapter Three, the author reviews the development course of SMEs credit business in China, and points out the significance of the development of SMEs credit business in our country and the necessity of the development of SMEs credit business for Z bank.In Chapter Four, the author introduces the basic situation, the loan types and the main products of SMEs credit business in Z bank, elaborates the problems and obstacles in the development course of SMEs credit business of Z bank, and analyses the causes of those problems.In Chapter Five, the author proposes the solutions to the foregoing problems combined with the previous studies and analyses.And Chapter six is the main conclusions of this paper and the prospect.