LS Rural Commercial Bank Small And Micro Customers Pre-loan Investigation And Improvement Research

Since China's reform and opening-up,our socialist market economic system has gradually improved,and the development of economy has shown a stable and sound tendency.Small and micro enterprises,as an important part of the Chinese economy,has developed rapidly.And it not only has boosted the economy in the city and countryside,but also has created employment opportunities and met the growth of the people's demands for better material and cultural life.Therefore,promoting the sound development of small and micro enterprises,would be of great significance to the sustainable and healthy development of our economy and society.For the past few years,the LS rural commercial bank,being based on the strategy of market segmentation and developing core competitiveness,focused on the service of small and micro enterprises for high market share,tried to probe new opinion and new method,thus build the brand of loan "business for small and micro enterprises".However,the rapid business growth has also caused the high increase of negative growth rate,so how to control the rate should be our top priority at present.Thus,study of pre-loan investigation for effective measures should be necessary,which could perfect the procedure of pre-loan investigation,increase the circumstances of due diligence and no responsibility for investigators,avoid and decrease credit risk,and secure the credit funds.For the service of business for small and micro enterprises,LS rural commercial bank tried to improve the process of pre-loan investigation,implementing new management system and summarizing the problems and the weaknesses.By trying to build data sharing platform,it could scientifically analyses the information from small and micro businesses,and perfect the pre-loan investigation report template.the thesis,selecting pre-loan investigation of LS rural commercial bank as the research object,based upon the customer complexity and risk uncontrollablity with which small and micro businesses faced.Through the analysis the pilot program of pre-loan investigation process,the thesis also would try to how to deal with the situation of difficulty in investigation of customer from small and micro businesses,and to find improvement measure for data collection.Beside,the thesis,would focus on the loan transaction and management of the small and micro businesses,emphases on the loan development and problem that the small and micro businesses faced with,combining the present loan management system,the pro-loan investigation process to search the source of the problem and difficulties.Thus discloses the problem underlying the pre-loan investigation of the small and micro businesses.With the updated theories,the thesis is trying to formulate a improvement project on pro-loan investigation for the small and micro businesses,which intends to promote the reform in pre-loan investigation of the small and micro businesses for the LS rural commercial bank.