The Analysis Of The Status Of Small Business In Ping An Bank And The Research On Countermeasures

In the process of rapid development of society and national economy in our country,small businesses always play very important roles.In order to ensure the development of small businesses,the government has implemented many favorable measures.At the same time,with the power of the banking and financing system,the government actively continued maintaining social stability and economic harmony.Through survey data,we can find that,the problem of financing is prevalent among small businesses in the process of development.According to data,over 97% of small businesses encounter financing difficulties and labor shortage problems,especially considering that the labor cost of small businesses is much higher than that of large enterprises due to different ways of selection and use of cost.The central bank raised bank reserve rate several times,just in hope that it can achieve the marketization of financing interest rate after the banking regulatory organization raises the banking risk regulation standards,and in hope that it can control the financing risk in the effective financial environment,and solve the problem of financing difficulties for small businesses.This paper systematically summarized the rich experience that each big bank and commercial bank have accumulated for the purpose of better providing financing services for small business.This paper summarized and clarified the status of financing for small business and studied the problems of small business financial services,so as to provide explanations for small business financing services in China and abroad,and to show the characteristics of the financing environment.The ultimate goal of these efforts is to promote the improvement of the small business financing services system,to clarify problems exist in the small business financing services system of Ping An Bank,and to put forward the improvement suggestions.In doing this,this paper aims to ease the financing difficulties of small business,and to provide new ideas for Ping An bank small business financing and business development.This article is divided into four chapters.The first chapter is the introduction,describing the research background,significance,literature review,and research methods;the second chapter is about the present situation of the small business.From the perspective of the concept it defines and analyzes the present situation of small business and its significance for the development of the banks.The third chapter gives more detailed description of the status quo of small business in Ping An Bank,especially highlight the problem of support for small business.The fourth chapter is the core section.Start from the organizational structure optimization,product innovation and internal process optimization and so on,it describes different strategies that Ping An Bank use in developing small business.After combining with the external resources,it finally gives the conclusion.