Study On Optimaztion Management Of Small Enterprise Credit Business Of JT Rural Commercial Bank Changchun Branch

As an important part of the national economy,the living condition of small and micro enterprises is directly related to the healthy development of the national economy.However,along with the world economic recovery is slow,China's economy steps into the "new normal" phase.Both of domestic consumption and investment have declined.Small and micro enterprises are facing huge pressure of transformation and beset by the problems such as remarkably cost rising of raw materials and labor,reduction of orders and capital chain tension.They are in the midst of a "boiling frog" difficult situation.As the effect of downward economy trend,some small and micro enterprises began to appear default phenomenon,which causes the bank credit risk,increases the non-performing loans,and threatens the safety of bank credit assets.In such a situation,Banks is more in favor of the credit business with strong mortgage or strong guarantee in the loan approval.The creditors for small and micro enterprises begin to be afraid of lending;Banks get into the contradiction of “credit grudging” and development.Under such a background,the commercial banks as the research object,the further study of small and micro enterprises credit business management is of great significance both in theory and in practice.In theory,it can be better to deepen smalland micro enterprise credit theory research;In practice,for smalland micro enterprise,they can get a lower cost of capital,more flexible way to guarantee access to bank credit support.For Banks,they can better develop small market,gain a competitive advantage,disperse credit risk,increase customer stickiness.Firstly,this article introduced the selected topic research background and significance,combing the related theory of small and micro enterprises credit business and study of domestic and foreign scholars on credit business,which are the theoretical foundation and basis of this article.In the third chapter,it presents situation and existing problems of JT Rurial CommercialBank Changchun Branch,and through the example analysis and comparative analysis,finds out the causes of the problems,and analyzes in detail.At the same time,in allusion to the problem of business approval,product configuration,risk control level and personnel management,it presents five optimization scheme in the fourth chapter and two guarantee measures in the fifth chapter.This paper aims to find the problems and the insufficiency through in-depth research of the current small and micro entrprises credit business management of JT Rurial Commercial Bank,and furtherly put forward the corresponding optimization scheme,the purpose is to help it to solve the existing problems,clear the optimization goal,speed up the small and micro enterprises ‘financial service innovation and the pace of reform,so as to promote the rapid development of small and micro enterprises credit business.At the same time,other small rural financial institutions can draw lessons from the experience and theoretical basis of JT Rurial Commercial Bank.