Investigation And Analysis Of Small Micro-Loans Business In Coastal Branch Of Bank H

Since the Reform and Opening-up,China's economic development has made remarkable achievements,which are inseparable from economic contributions of small micro-enterprises.At present,small and medium-sized enterprises account for 81.3% of the total number of enterprises according to List of Small Micro-Loans,these enterprises have solved the employment problem of more than 80% of the working population.Therefore,supporting the development of small and micro enterprises has always been the focus of national attention.However,the financing of small and micro enterprises has the characteristics of small-amount and high-frequency,and the financial system is not perfect,there is also a lack of corresponding mortgage items.Even if the bank conditions are met to obtain loans,the cost of obtaining loans is higher.From the bank's point of view,the input-output ratio of small micro-loans business is very low.Many banks carry out small micro-loans business only in order to meet the policy requirements.Therefore,small micro-enterprises are facing difficulties in financing,their developments are becoming more and more difficult.It is especially important to study how to solve the dilemma of small micro-enterprises.Although city commercial banks are restricted by their own capital and strength,they are widely recognized by regional customers relying on the advantages of regional economic development and regional distribution of outlets.Thus,city commercial banks play a very important role in small micro-loans business.This paper chooses the small micro-loans business of H Commercial Bank's coastal branch as the research object,focuses on the detailed customer information of H Bank's coastal branch(enterprise's region,industry,type,capital use,etc.),approval process,risk and quality indicators,to fully understand the small micro-loan business of H Bank's coastal branch.The structure of the whole article is as follows.Firstly,it introduce the development status of small micro-loans business of H Bank and it's coastal branch;after that,it made statistics on the survey data of the bank's small micro-loans business and analysed the corresponding quality indicators.Subsequently,it analysed the problems and reasons of the bank's small micro-loans business.The research shows that the overall loan quality of H Bank's coastal branch is good,but there are some problems,such as small proportion of small micro-loans,single product structure,high requirements for loan approval and so on.The loan business process needs to be improved.Finally,some suggestions were put forward to optimize the product and business process of small micro-loans.For H Bank's products,innovative product types and mortgage guarantee methods are proposed.For business processes,it is important to establish an effective marketing mechanism for small micro-loans,improve credit rating system and credit risk management system,strengthen post-loan management,and strengthen the development and application of Internet technology.Through literature research,field research and data analysis,combined with the successful experience of other banks,this paper deeply analyzed the problems faced by H Bank's coastal branch in small micro-loans business.To a certain extent,it contributes to the good development of the small micro-loans business of Bank H's coastal branch,and has a certain reference significance for other city commercial banks to carry out the small micro-loans business.