The Research On Small-micro Credit Improveme Of Zhaoqing City Branch Of ABC

At present, the main problem that restricts the development of small and micro businesses is capital shortage. On the one hand, the policy support stimulates the development of small and microbusinesses, and emerges a group of outstanding small and micro businesses which is urgent demand of funds with slow fundraising, obtaining loan from bank becomethe commonly used way. On the other hand, undering reversed transmission of the interest rate marketization and financial disintermediation, the bank customer structure is sinking, and need to constantly adjust strategic transition and business, to pay attention to the small and micro businesses credit. To solve the problem of financing difficulties of small and micro businesses still start from financing innovation, However,The most realistic effective is the innovation of the financing credit products.The article make full use of the credit database of zhaoqing agricultural bank, and summarizes the characteristics for financing needs not being met. According to the information asymmetry theory, enterprise life cycle theory and credit rationing theory, the article puts forward credit improvement program based on transactional financing and relational financing. The financing products based on the transaction,the credit improvement is to launch new credit products and programs based on the financial statements, assets and credit score raised from financial statements and assets, use to increase the default cost, solve the information asymmetry and moral hazard problems, so as to realize the healthy and effective development of small and micro businesses credit. The financing products based on the relational, the credit improvement is put forward new credit programsfrom the industrial cluster, industrial chain position, characteristics and working experience, strive to solve the problem of lacking of collateral and collateral, and increase the credit relying on the small micro enterprise in the industry chain, shareholder qualifications and the relations of cooperation, proceed financing structure design to improve the ability of financing for small and micro businesses. Finally, the article puts forward the safeguard measures for the credit improvement from the organization, personnel, resources and so on.