The Study On The Countermeasures Of The ACredit Service Of Small Business Of A Branch

In recent years, with the rapid development of our economy, small business of our country as the thrive, became more and more contribution to the national economy. For the moment, China’s GDP by about fifty percent is small business to provide more, nearly half of the tax revenue comes from the small business, small business in terms of jobs but also contributed more than eighty percent, small business an irreplaceable role in China’s economic development becomes increasingly visible. Although our country small business in the process of economic development, but their social status has been very low. On the one hand, lack of support for small business to establish the corresponding guarantee system, it is difficult to solve the financial needs of the small business; On the other hand, small business in cooperation with the business of commercial Banks also exist many problems, eventually led to the small business widespread shortage of funds, to a large extent affected the development of small business.Although small business financing difficulties has become the focus of the public opinion, at the same time, it has been paid close attention to by the state government, but the situation is still failed to improve, small businesses are still faced with financing difficulties and financing problem such as expensive, which in addition to small business itself weaker, anti-risk ability is poorer, the financing channel is narrow, another important reason is that in the development process of China’s commercial Banks is facing more and more severe situation, the current frequent small business credit risk and for commercial bank loans to small business brings bigger resistance, therefore, commercial bank credit support to small business are still insufficient.In the development process of China’s commercial Banks facing the complex economic environment, the development of small business can not only promote the adjustment of the structure of the commercial bank credit customers, but also the important measures to effectively promote the development of business transformation, but how in the current complex economic and financial environment, err on the side of business, the development of small business has become the focus of the Banks to discuss. If we can set up a perfect small business credit service mechanism, improve and optimize the commercial Banks of small business management level, not only can solve the trouble back at home of commercial Banks to develop small business, promote the development of our country commercial bank more reasonable, as well as the development of small business of our country play a crucial role. A branch, for A walk in Anhui region the development of small business credit business and service level as A whole management responsibilities. Therefore, when the economic environment is unfavorable circumstances, many small businesses financing difficulties, financing your problem becomes especially when A ranch should change service measures in time, establish effective service mechanism, improve small business credit risk management level and service, effectively guard against imported risk, in the protection of its interests at the same time, promote the healthy development of small business in Anhui area.In the banking industry as the background, this paper select A branch as the research object, the development of small business in the commercial bank to review and summarize the studies on basic theories and related, on the basis of A branch is analyzed the current situation of small business credit service, A branch was studied in the current problems of small business credit service, and in the international commercial bank for small business credit service related measures for reference, absorb relevant experience, put forward A branch province credit service of small business countermeasures.