The Analysis On Small And Micro Business Loans Of The Y Branch Of Bank Of F

Small micro enterprises has become an indispensable part of economic structure,But in recent years,Small micro enterprises suffered larger impact from the external economic environment. Because of the financial crisis in 2008 and the impact of tighter monetary policy in China, he country’s export-oriented enterprises has beard the huge pressure of business, and further increase the small micro enterprise financing difficulty and cost, but whether the plight of these small micro enterprise can solve, will influence the nation’s overall stability. Now the government give a high degree of attention on the development of small micro enterprises, and formulated the related tax policy to support the enterprises. Mainly including support for commercial Banks to issue small micro debt-financed, Set up small and medium enterprise development fund, and lower taxes.In recent years, governments at all levels and the China banking regulatory commission policies help small micro enterprise financing, small micro enterprise financing problem is the focus of research, but research is mainly focused on the macro economy, studies the theory of small micro enterprise loan business of commercial bank is still not much.In this paper, combining theory with practice, and found the problem in practice, as the breakthrough point of the article, through the theoretical analysis, to find a solution path. By adopting the combination of case study and comparative analysis research method, Loan business of Y branch of the bank of F, is given priority to analysis, supplemented by necessary theoretical explanation. Contrast analysis method will be in full use of the experience for reference section, this paper analysis the domestic and foreign commercial Banks in small enterprise loan business practice and experience of their respective and classified analysis, seek common and unique place, on this basis, put forward the bank of F, Y small micro enterprise loan business to improve and perfect Suggestions.The first part of the introduction. This section describes the background and significance of this study, the existing literature related to inductive analysis, and clearly the research methods and structure of the paper. The second part of the Y branch F small micro-enterprise bank loan business analysis. This part of the Y branch bank F a brief introduction, and then the status quo, features, processes and other aspects of the row of small micro-enterprise loan business analysis. The third part of the small and micro business loan problems and challenges. Analysis of the various issues Y branch bank in the conduct of small and micro business loans exist, and the challenges faced by Y branches, as increased competition, customer potential value has not been fully tapped and so on. The fourth part of F Bank Y Branch small and micro business loans business improvement and perfection. In fully rational from domestic and foreign commercial banks to develop small and micro enterprise business loans on the basis of experience, combined with F bank branch’s own characteristics, for research and analysis of small and micro enterprises in the bank lending problems in the improvement and propose appropriate perfect proposal.