A Diagnosis Report On Small-micro Corporation Loan Business Of A Commercial Banks

Countries in recent years, high attention to the small micro enterprise financing problem, especially the government in the financial support in the past two years, business tax incentives, base construction, promote enterprise information connectivity has staged a series of policies and measures to support small enterprises to develop healthily. More and more Banks have begun to sink the customer orientation "center of gravity," financial services involving more small micro enterprises.Due to the advancement of marketization of interest rate, the impact of the financial disintermediation, make domestic small micro enterprise loan competition intensified. At the same time, Banks in the process of small micro enterprise loan management, to different extent in small micro enterprise loan management is difficult, the problem of high non-performing loans. In this paper, a commercial bank as the research object, analysis, to explore and solve the bank in the small micro enterprise loan problems existing in the operation and management, to find the best point of commercial Banks and small micro enterprises cooperation, innovative new model of the small micro enterprise loan management, effectively ease the micro enterprise "loans difficult, expensive" problem.Through research and analysis, this paper puts forward commercial bank how to make small micro enterprise loan business model more scientific, how to make small micro enterprise loan management mode of more efficient, and the "six model" to solve the problem of risk control, try to explore the effective way to solve the problem of bank small micro enterprise management.