Research On The Strategy Of Development For Bank C’s Credit Business Of The Small And Micro Businesses

C Bank is a local corporate shareholding commercial bank, it takes supporting small and micro businesses as a key positioning in bank market. With the advancement of market-oriented reform of interest rate and the development of direct financing market, the competition of small and micro businesses credit market is getting fierce. In this context, it is very necessary to study and formulate the development strategy of small and micro businesses credit operations for C bank, and program the small and micro businesses credit operations of C bank from the strategic planning.This paper is based on analysis of external and internal environment of the small and micro businesses credit operations of C banks and SWOT model, formulates the development strategy of small and micro businesses credit business of C bank. The proposals of development vision are integrity, innovation, steady, lofty morals, efficiency and professional; the mission of the enterprise is committed to provide convenient and flexible credit services to every small and micro business, to achieve the aims of benefiting small and micro businesses and win-win development. This paper set the small and micro businesses credit operations development goals of C bank from three levels, the target of market position, the objectives of scale and growth, the target of risk control. It suggests to take the corporate strategy as growth strategy for small and micro businesses credit operations of the C bank, implement department system organizational structure, take the market competition strategy of combining low-cost and difference strategies as business strategy, strengthen the cooperation of platforms and take it as cooperation strategy to expand the market share rapidly. At last, there are some concrete measures and suggestions for the implementation of those strategies.