A Study On The Problems And Countermeasures Of The Credit Business Management Of The Small Business Enterprises In Longjiang Bank

Since the reform and opening up,our national economic system happened great changes,with the deepening of the reform of state-owned enterprises,national economic structure has gradually from public ownership to private ownership transformation,small and medium-sized enterprises in the national economy accounts for the proportion more and more high,to the role played by the development of small and medium-sized enterprises of macro economic development is also growing.Especially in recent years,under the general downturn in the global economy environment,China's economic growth is slowing,into the continued downturn in the state,small and medium-sized enterprises as an important part of our national economy.Its steady development to maintain the stability of China's political and economic and financial market play to its important role.Looking back on the past small and medium-sized enterprise development,combined with the policy system of surface analysis and study show that,shortage of funds is still the majority of small and medium enterprises widespread distress,thus solving the SME financing problem has become a problem of first importance for promoting healthy development of small and medium-sized enterprises.Since entering the 21 st century,the national economic policies began to tilt to the small and medium-sized enterprise,various financial institutions also have the attention focused on small and medium-sized enterprise market sector,more and more banks will support the financing of small and medium-sized enterprises as the basic market positioning and development direction in the future.Longjiang bank was founded in the end of 2010,as a small local commercial bank,set up time is short,relatively weak basis,but far sighted leadership of the head office,at the beginning of the establishment will support development of small and medium-sized enterprises as one of the basic development strategy.In the business network layout,credit business settings,credit funds and other aspects of choice,the Bank of Longjiang will serve the majority of small and medium enterprises as the most important reference factor.This paper introduces the current development of Longjiang bank small business credit,including credit products,institutional settings,business process,loan management and so on.After and local other industry,established their own advantages,and calm and objective analysis and find out the existence of many problems,such as network layout unreasonable,post loan management oversight,the system is not perfect.In the China's macro economic downturn,a lot of exposure to credit risk environment,advanced experiences of innovation and development of small and medium sized enterprises both home and abroad for reference,in the good risk management and control of the premise,Longjiang bank credit to small enterprises innovation and the development of design,combined with the current development situation,from the angle of market positioning,risk management,personnel management,information system,discusses how to improve the river bank small business credit business of specific measures,pointing the way for the future development of Longjiang bank.