Research On Small And Micro Enterprise Credit Loans Of PF Bank Changchun Branch

Credit financing business in PF Bank branch Changchun Small and micro businesses as the research object,firstly explains the related theories of credit financing business research background,research significance and Small and micro businesses;and then combined with the basic situation of PF branch bank Changchun,focuses on the inevitability of PF bank Changchun branch of the development of credit financing business Small and micro businesses;and the status quo of credit the financing business of PF Bank branch Changchun Small and micro businesses;summarize the existing PF Changchun Bank branch Small and micro businesses credit financing business the main problems are: the professional operation level is not high,the risk control ability is low,lack of innovative financial products,do not regulate the operation of loan approval and credit risk management is not standardized;at the same time,the analysis of credit financing business of bank PF branch Changchun Small and micro businesses from three angles of PF Changchun Bank branch,Small and micro businesses and other problems of the original.For the PF Bank branch Changchun Small and micro businesses credit financing problems,this article puts forward some countermeasures as follows: first,to improve the PF Bank branch Changchun Small and micro businesses credit professional operation level;secondly,to enhance the PF Changchun Bank branch in Small and micro businesses risk control ability;third,increase of PF Changchun small branch bank micro enterprise financial product innovation ability;fourth,improve the PF Bank branch in Changchun Small and micro businesses credit approval process;fifth,strengthen risk control and management of PF branch bank Changchun Small and micro businesses credit.With reference to development of the research process and result on the PF Bank branch Changchun Small and micro businesses credit business,combined with relevant theoretical knowledge and the actual situation,put forward some scientific countermeasures,has important practical significance for promoting the PF Bank branch Changchun Small and micro businesses of modern financing business sustainable and healthy development.