From The Perspective Of Financial Supply-side Reform A Case Study Of Bank A's Credit Support For Enterprise B

After China's economy enters the "new normal",the real economy is structurally dysfunctional,the unreasonable allocation of financial resources is becoming more and more prominent,and the contradiction between capital idling and real economic capital demand is intensifying."Financing difficulty" and "financing expensive" are still the thorny problems that plague small and medium-sized enterprises and the growth of private enterprises,and there are obvious structural defects in financial services.In addition,with the increasing downward pressure on China's macro-economy,the continuous advancement of interest rate marketization,the homogenization of commercial bank products and services,the weakening of customer resources,resulting in increasingly fierce competition between banks,commercial banks of the profit space suffered serious erosion.On the 22 nd February,2019,the Politburo first put forward the call for "financial supply side reform",which calls for strengthening the capacity of the real economy of financial services,activating the capital market,dredge the transmission mechanism of monetary policy,and focusing on solving the difficult problems of financial institutions "daring to loan,unwilling to loan or can not to loan" on the basis of strengthening the real economic capacity.Taking the current "financial supply side reform" as the perspective,this paper selects the Credit model innovation and optimization as the breakthrough point,and emphatically analyzes the bank A in the face of the imbalance of bank financial service structure,unreasonable allocation of financial resources and the bottleneck of its own asset business development,through innovative credit mode to support high-quality growth-oriented enterprises(B Enterprises)A case of smooth through the expansion period.Firstly,this paper introduces the research background and significance of the case as well as the relevant research ideas and methods,expounds the foothold of the article in detail,and on this basis,summarizes the case transaction structure and development process,and makes the reform of bank A on the financial supply side,the narrowing of the interest margin,the convergence of products,The current situation of the development bottleneck of asset business under the external environment,such as capital idling,and an overview of the dilemma of B enterprises being in the long-term capital demand.In addition,this paper makes A detailed analysis of the case of bank A using the "Choice loan" model credit to support B Enterprises,which is discussed from the aspects of implementation motivation,control process,risk prevention,performance evaluation and so on.Finally,based on the actual situation of the case,this paper discusses the inefficiency of bank approval in the process of credit support,the lack of comprehensive talents,the mechanism of cooperation between banks and external institutions to be verified,and the uncertainty of equity investment right,and finally,combined with the actual situation of our country and the reference of bank A to B Enterprise Credit support,Summarize the Enlightenment of commercial banks to support high-quality small and medium-sized micro-enterprises with innovative credit model,in order to better promote the development of banks to support high-quality growth-oriented enterprises,and play a certain role in promoting the adjustment and optimization of banking financial service structure in China.