The Research On Innovative Credit Model About Shenyang Shengjing Bank For Small And Micro Enterprises

Small and micro enterprises is not strictly defined in our country,By the "people's Republic of China SME Promotion Law" and "the State Council on further promoting the development of small and medium enterprises",agricultural and forestry industry revenue RMB.5000000 can be defined as small and micro,and industrial enterprises 300 people below and operating income 20000000 Yuan can be defined as small and micro.As of September 2015,there are 60 million small and micro enterprises in China.They contributed 60% of GDP and 50% of tax.They are the drivers of China's economy.However,the problem of small and micro enterprises to apply for loans and high cost of capital has become a problem that cannot be solved.How to solve the problem of the difficulty of applying for loans to small for micro enterprises has been an important issue of economic development.This paper is based on the two aspects of macro and micro,analyzes the current situation and the future development trend of China's commercial banks based on the theory of economics and finance.And this paper using the SWOT studies the Shengjing bank loan's policy and the credit product "fast loan".Then,the study found their advantages and disadvantages.At the same time,the paper also puts forward eight strategies about the future development according to the analysis results.The paper thinks,because from the beginning of the design,it will adhere to the purpose of serving small and micro enterprises,so the "fast loan" in the small micro enterprise credit market has an advantage.But the study also found that the "fast loan" is not specifically designed for small and micro enterprise credit products,and therefore,there is a series of problems such as obsolete,convenient and so on.Through the SWOT analysis,the paper also puts forward the corresponding future development strategy.At the same time with reference to national and international experience in all aspects of innovation and improvement office proposed credit model and coffee e-credit model.