Research On Credit Product Innovation Of Small And Micro Enterprises In Xi'an Community Branch Of BJ Bank

Credit business is one of the most important profitable business of China's commercial Banks.With the continuous development of China's market economy in recent years,the bank's credit business is also updating with The Times,and strive to fully cover the market's credit business.Since 2015,domestic small and micro enterprises have developed rapidly and become the group of enterprises with the most development potential in economic development.However,poor financing channels and high financing costs of small and micro enterprises greatly restrict their development pace.At the same time,the Chinese government has issued policies to strongly support the development of small and micro enterprises,and the enthusiasm of urban residents in investment and operation has also been greatly improved.Therefore,it is urgent for commercial Banks to develop the credit business of small and micro enterprises.In order to adapt to the new transformation of the credit market,Bank of BJ opened 51 convenient community Banks in the whole jurisdiction in 2015.The credit business of its community bank is mainly small and micro enterprises and personal credit business as the new "starting point" of credit business.On the basis of the original credit products,Bank of BJ community sub-branch aims at the specific trend of credit business development of small and micro enterprises in the jurisdiction.To break the situation of "high threshold" of bank loans and establish community Banks with customers as the center,so as to better provide loans for small and micro businesses.In this way,it can promote the development and innovation of other financial products and enhance the popularity of Banks.Taking Bank of BJ in xi 'an community branch as an example,this paper mainly analyzes the development status of its credit.Through the use of product cycle theory,market segmentation theory,SWOT model,analyzing the current development of credit business of BJ bank xi 'an branch community sub-branch.In the process of adapting to the market development and seizing the market opportunities,Create a community bank of small and micro enterprise credit product development model;Study the effect of credit innovation,And find the problems that need to be solved further.At the same time through the BJ bank xi 'an community sub-branch credit business innovation research can bring inspiration and experience for other commercial Banks to develop small and micro enterprise credit.