A Study On The Development Of Small And Micro-Sized Enterprise Credit Business

Small and micro enterprises are the important foundation of national economy and social development.Domestic commercial banks carry out a lot of practice and exploration on the issue of supporting small and micro enterprise development and solving the problems of financing small and micro enterprises.In the current domestic economic slowdown,the international economic recovery is slow,small and small enterprises outside demand is insufficient,domestic demand shrinking,business difficulties;the same time commercial banks face financial disintermediation,spread narrowing,credit risk to accelerate the background of exposure.Taking Bank A as an example,this paper studies the gap and shortcomings of the development of small and medium-sized enterprises’ credit business in state-owned commercial banks,and puts forward some suggestions and measures to improve them.On the basis of collecting data and carrying out research,this paper first introduces the theoretical research on the credit business of small and medium enterprises in China and abroad,and then summarizes the current situation of the development of credit business of small commercial enterprises in China’s commercial banks.Then,Analyze the internal demand of A Bank to accelerate the development of small and micro enterprise credit business,find out the main problems of A small bank corporate credit business,analyze the causes of the problem,and give some suggestions for improvement.The conclusion of this paper:First,the development of small micro-enterprise credit business is the only way to transform the development of a banking business;the second is the use of Internet technology to accelerate the development of small online corporate credit,both to reduce bank operating costs,but also to break the information asymmetry caused by small micro-enterprises Financing barriers;third is to play a regional product innovation,to strengthen the small micro-enterprise products,the life cycle of the whole product management and product promotion is to improve the micro-enterprise credit business product system to improve the competitiveness of small micro-enterprise products,an important means;Fourth,A bank small micro-enterprise credit business there is unreasonable customer structure,bad debt rate is high,low value creation problem,you can increase product innovation,optimize business processes,improve the incentive assessment mechanism to improve risk control solve.This paper provides important theoretical reference and reliable practical experience for domestic commercial banks to study the development and transformation of small and medium enterprises’ credit business.It has both the significance of theoretical research and the value of guiding practice.