The Research On The Development Strategy Of Credit Business For Small And Micro Enterprises Of Z Branch Of Minsheng Bank

With the concept of Inclusive Finance and the issuance of related guidance policies,China's financial services have begun to return to the real economy.As one of the important objects benefiting from inclusive finance,small and micro enterprises are increasingly emphasized by the government and the market.At present,the main source of external financing for small and micro enterprises is still bank loans.At the same time,the rise and rapid development of internet finance has brought great impact on traditional bank credit business.After years of development,Minsheng Bank,as one of the earliest commercial banks in the field of small and micro finance,has accumulated a large number of high-quality small and micro-sized customers.It has important and realistic significance to study the credit business of small and micro enterprises of commercial banks.This paper chooses Minsheng Bank Z Branch as the research object.Through the analysis of the status quo of Z Branch's small and micro enterprise credit business,it proposes its improvement and development strategies in terms of business operation and risk control.The paper firstly collected relevant literature at home and abroad,combed the finance-related theories of small and micro enterprises,and the information asymmetry and credit ration theory related to bank credit.On the basis of the theory,it compared and analyzed the common financing methods of small and micro enterprises,and then explained the reasons of financing difficulties for small and micro enterprises from the perspective of information asymmetry and credit rationing.Then we analyzed the status of small and micro enterprise credit business in Z branch and summarized the current strengths,weakness,opportunities and threats of the business.Combining the internal data and business practice cases of Z-branch again,aiming at the deficiencies of Z-branch small and micro credit business in business operations and risk control,it gives specific measures of Z-branch to solve these problems.This paper expects to provide new ideas for the development of small and micro enterprise credit business by commercial banks through the research on the development strategy of Z-branch small and micro enterprise credit business,and to help solve the financing problems of small and micro enterprises,and to promote the sustainable development of small and micro enterprises.