Research On Development Strategy Of "One-card-pass" In Harbin Rural Commercial Bank

With the rapid economic development,the number of the small micro-enterprises present rapid expansion in recent years.Self-employed economy and small micro-enterprises occupied a large proportion of 5.528 million new registration enterprises in 2016,which attracted the focus in the economic domain.The activity of the small micro-enterprise greatly promoted the development of our economy.According to statistics,small and micro enterprises has contributed more than 60% of China's GDP,which show an important role in the economy.Due to the small size and flexible mode of operation,the Small and micro enterprises show great advantage in following the market demand and flexible adjustment of operating mechanism,compared to large enterprises.Furthermore,the small and micro enterprises promote the employment,speed up technological innovation and effectively alleviate the rising labor costs pressure.In general,a large number of small enterprises with diverse forms play an important role in promoting the building of our economic society,satisfying the needs of the people,promoting social development and promoting social fairness.It is not only the main bearer of social employment,but also the main driver of China's economic development.However,in the process of development,the demand for small and medium enterprises is becoming stronger and stronger.Due to the non-normality of the financial system and the high risk of development,China's banks have long focused on large and medium-sized enterprises,along with ignoring the financing demands of mall micro enterprise.In order to solve this problem,based on the traditional deposit and loan business,Harbin Rural Commercial Bank creates a"one license" loan financial products for small micro enterprises to provide fixed assets mortgage loans,and vigorously promote the small enterprises in Heilongjiang Province The rapid development.However,there are still some problems in the process of "one license pass" business development of Harbin Rural Commercial Bank.Therefore,this paper takes Harbin Agricultural Bank's"one license" business as the research object,through the in-depth analysis of its problems,This paper analyzes the causes of the problems and combines theinternal and external environment of Harbin Agricultural Bank,and analyzes the development strategy of "one license" business of Harbin Rural Commercial Bank through SWOT analysis,and puts forward the concrete implementation and safeguard measures to promote Harbin Agricultural Bank Through "the rapid development of business,to make it better for small micro-enterprise loans.On the basis of introducing the basic situation of Harbin Rural Commercial Bank,this paper analyzes the development status of "one license" business of Harbin Rural Commercial Bank,and points out the existing problems,Analyzes the causes of the problem.In order to realize the long-term and healthy development of Harbin Agricultural Bank,this study has formulated the strategic goal of Harbin Agricultural Bank's "one license" business,analyzed its internal and external environment,and used SWOT analysis to clarify Harbin Agricultural Bank of China to develop "a card" business opportunities,disadvantages,opportunities and challenges,and ultimately determine the "one card" of the overall development strategy and operational level of development strategy.In order to ensure the smooth development of Harbin Agricultural Bank of China's overall development strategy and the specific development plan,this paper puts forward to build a professional and efficient personnel,pay attention to customer experience to improve service quality,establish a "one license" risk whole process linked to your system and the establishment of risk compensation Mechanism of the four aspects of the safeguards.