The Research On Small And Medium Enterprises Credit Extension Model Of BC Bank Henan Branch

In recent years,the rapid development of small and medium-sized enterprises has become the backbone of China's economic growth.It has contributed a great deal to China's social progress and economic prosperity,and its position in the National economic growth has become higher and higher.At present,the state is fully promoting inclusive financial policies,encouraging banks and other financial institutions to provide credit loans and other services to small and medium-sized enterprises,and vigorously developing small and medium-sized enterprises credit loans and other business has become a pillar industry of commercial banks.Since the start of the new model business for small and medium-sized enterprises in 2009,BC Bank Henan Branch has established and gradually improved its institutional mechanisms in accordance with the requirements of the head office and supervision.The overall business has achieved sound and rapid development,and the balance of new model credit and the number of customers have achieved strong growth.It has played a very positive and effective role in adjusting the credit customer structure of Henan branch and optimizing credit investment.In the process of development,BC Bank's SMEs 'original credit granting decisions,credit granting processes,operating standards,and risk control all have incommensurate with business development and need to be improved.This paper takes the credit model of small and medium-sized enterprises in the branch of BBC bank in Henan province as the research object and analyzes and studies its credit business model from the perspective of credit management through the case study method.Through reading related academic papers,literature,industry materials and bank internal data,we have a wide understanding of BC Bank's credit granting business for small and medium-sized enterprises.On the basis of the relevant management theory,through the exchange and understanding with the bank's internal professionals,grasp the actual situation and business information of BC Bank,and combine the bank's actual situation,put forward corresponding countermeasures and suggestions.In view of the problems existing in the development of loan business of small andmedium-sized enterprises in the branch of BC Bank in Henan Province,this paper makes a serious analysis and puts forward some countermeasures and suggestions for optimizing the credit business model of small and medium-sized enterprises.First,overall planning and classification decisions.The branch of Henan province should rely on the positive policies of inclusive finance to effectively promote the business development of small and medium-sized enterprises through mass acquisition,centralized examination and approval,and scale effect.Second,the implementation of process re-engineering.To implement quality working methods,it is necessary to improve the current credit application system and process,and enhance the credit application authority of the new credit granting model of small and medium-sized enterprises.Third,refine the operating standards.We will continuously improve the management system of the "credit factory" model,continuously improve the compatibility with the characteristics of regional market demand,and formulate and improve various supporting measures.Fourth,we will implement comprehensive risk control.From the industry risk control,credit risk control,post-loan risk control and early warning control four aspects of the proposal.