Research On Credit Business Problems Of The Small And Medium Sized Enterprises In The City Commercial Bank

In 2015, the characteristics of Chinese economy “new normal” is highlighted, economic downward pressure is more and more bigger. The small and medium-sized enterprise's survival is more difficult. Due to their small size, higher loan risk, financial institutions become more "credit reluctance". Small and medium-sized enterprises are numerous. They almost occupy all areas of the market and actively participate in market competition. They improve and complement the market and they are "economic engine". A large proportion of small and medium-sized enterprises are labor-intensive enterprises. With the input of unit bankroll, they can arrange more than twice labor force as many as large enterprises. It is helpful to stabilize employment. At the same time, the small and medium-sized enterprises are the main force of technological innovation in our country, most of the high-tech enterprises are small and medium-sized enterprises. It is visible that small and medium-sized enterprises of our country economic development play an important role. But funds at the disposal of small and medium-sized enterprise is less and their day-to-day operations cannot leave the bank loans. The development of small and medium-sized enterprise needs financial support. But management mechanisms of small and medium-sized enterprises are not sound and information is opaque and information asymmetry between banks and enterprises. Banks are difficult to determine their creditworthiness. So even small and medium-sized enterprises use a higher lending rates, it is difficult to get loans. It seriously impacts on the development of small and medium-sized enterprises. Our country has introduced a number of policy documents to promote the development of small and medium-sized enterprises. While to solve the financing difficulty problems of small and medium-sized enterprise is always a difficult problem.Small and medium-sized enterprises can promote local economy and coordinate healthy development of regional economy. At the same time, city commercial bank's mission is to serve the local economy. Because of the limitation of its scale strength, it is difficult for city commercial Banks to provide financial services to large enterprises but it has a natural close contact with small and medium-sized enterprises. They both are rooted in local place and they are mutual understanding. The scale strength is relatively close. And the number of small and medium-sized enterprises is large, the development potential is great. The bargaining power of city commercial banks to small and medium-sized enterprise is strong and profits of carrying on this business are thick. And with national policy support, small and medium-sized enterprises are always the city commercial bank's main business. Especially in the economic downturn and non-performing loan ratio rising period, city commercial banks must pay attention to risk control and identify high credit rating companies. When the city commercial banks provide credit services for small and medium-sized enterprises, there are many problems. Through the analysis of the whole process of city commercial bank providing credit and loan for small and medium-sized enterprises, in this paper from before loans, in loans and after loan these three stages to find problems and then to put forward the corresponding opinion of improvement of reform. Credit investigation before loans, the city commercial bank's credit rating model design has a problem, customer manager's quality is not high and the country's credit system is not perfect. Credit investigation in loans, the city commercial bank data analysis ability is not strong, the examination and approval system and process have defects. In post-loan management, management system, means and system, including post-loan management personnel's quality is insufficient.This paper is from the view of technology and institution to give improvement measures. Credit investigation before loans, there focuses on soft information of small and medium enterprises and use big data to construct national credit system and notice to strengthen the quality of customer managers. Credit investigation in loans, there introduces big data technology to increase the capability of risk analysis of J bank and perfect the restraint and incentive mechanism. There use the diversification of risk strategy, loan guarantee insurance or guarantee agencies to spread the risk. In post-loan management, using credit factory model to optimize the whole process, at the same time to strengthen post-loan risk warning system construction. There attaches great importance to the data of the whole process. The introduction of the big data in J bank plays a role on credit and loan of small and medium-sized enterprises, especially in the current hot finance of internet, data has become a new production factor. J Bank cannot be left behind. They should take internet finance as a development strategy and use technology and system to reduce the risk of credit and loan for small and medium-sized enterprises and also make oneself differential management in the future. In the end, the new model to solve the problem of bank credit in city commercial banks is studied.using, the case of ant micro loan and so on to show the latest internet small loan technology and do demonstration for city commercial banks which provides new thinking for the development of credit and loan of small and medium-sized enterprises.