JS Bank "Tax E-Financial" Small And Micro Credit Product Innovation Research

Small and micro enterprises have always faced difficulties in financing.The root cause of this phenomenon is the information asymmetry between banks and enterprises,and the high cost of single-family services.This has caused banks to be unwilling,afraid,and unable to provide financing for small and micro enterprises.service.In the promotion of financial inclusive reform,banks only explore a new way to effectively solve the financing difficulties and financing problems of small and micro enterprises,and use new technologies,new methods and new methods to reduce the financing threshold and financing costs of small and micro enterprises.In order to truly achieve the success of the financial inclusive policy,and ultimately promote the development of the real economy.This paper studies the innovative products of JS Bank "tax and e-melting".On the basis of theory,it first analyzes the innovation background and development status of the product.JS Bank changed the traditional banking industry to focus on products in the context that it is difficult for small and micro enterprises to meet the bank's demand for financing guarantees and collateral,and it is difficult for small and micro enterprises to find financing products such as financing products that meet individual needs.In view of the financing characteristics of small and micro enterprises,JS Bank uses technology to integrate data resources and innovate the "tax e-melting" of small and micro credit products with silver tax interaction.second,this paper analyzes the innovative products,and JS Bank's "tax-e-melting" innovative products grasp the characteristics of small and micro enterprises' financing needs,and integrate internal and external data resources to realize the full credit,all-weather,full-line,and Full coverage.Finally,the problems of JS Bank's "tax e-melting" products were discovered,and the causes of these problems were analyzed,and corresponding solutions were proposed.First,Improve product flow and better innovate small micro credit products.Second,Create your own core technology to innovate products.Third,Actively integrate internal and external multi-party data resources for product innovation.Fourth,Banks should continually optimize the credit structure to help SMEs maintain healthy and sustainable development.