The Bank Of Ningxia Small And Micro Businesses Loans Mode Research

In recent years,commercial banks of China have always been cautious in loaning to small and micro businesses,however,the increasingly fierce competition between banks requires commercial banks to find new profit growth points.With the rise of mass entrepreneurship and innovation,the position and function of small and micro businesses is becoming outstanding day by day in national economy,commercial banks also treat small and micro businesses as a new sustainable target customer base.At the same time,the difficulties in financing for small and micro businesses still exist,to some extent,it restricts the growth and development of small and micro businesses.How to achieve a win-win situation in loaning to small and micro businesses is an urgent task to face for commercial banks at present.This paper,illustrated by the case of Bank of Ningxia,starting from my own work practice,guided by the financing theory of modern small and micro businesses,drawing lessons from the loan mode for small and micro businesses of domestic commercial banks,based on the current status of the ones of Bank of Ningxia,finds out the main problems of the existing mode,Small micro loan products is a single,target market for small and micro customer targt market is not fine?the survey process is not timely,staff training is not enough system,performance appraisal lag,the effect of positive incentive is insufficient,post loan management is weak,risk assets disposal lack of power.In view of the above problems,put forward the corresponding optimization and improvement suggestions.First,the innovation of small and micro credit products,segmentation of the current customer market;Two is the establishment of personnel recruitment mechanism,improve the training system construction;The three is to improve the performance appraisal,establish the incentive mechanism for employees;The four is to strengthen the credit management system,accelerate the rick of asset disposal.It is expected that the optimization and innovation to the current loan mode for small and micro businesses can play a role in enhancing the vitality of credit financing for small and micro businesses,promoting better service for small and micro customers,and improving the comprehensive compititiveness of Bank of Ningxia.