Research On Private Enterprise Credit Strategy Of SX Branch Of YC Bank

Private enterprises are an important force in China's economic and social development,providing a broad employment channel for social practitioners and greatly invigorating economic development.Private enterprises are a new driving force for economic growth,a new force for independent innovation,a new bright spot for the flow of wealth,and a major force for stable employment.It is of great significance and necessity for commercial Banks to develop credit business for private enterprises.The problem of financing difficulty of private enterprises has existed for a long time,which greatly affects and restricts their further development.Therefore,it is urgent for commercial Banks to adjust and optimize their credit strategies for private enterprises.This paper mainly adopts qualitative research methods such as normative analysis and case analysis,takes SX branch of YC bank as the analysis object,starts with the domestic and foreign research review of commercial bank credit strategy,and carries out research on the particularity of private enterprises.On the basis of referring to the existing research results and combining with the actual credit operation of SX branch of YC bank,the conceptual model of this paper is constructed by selecting four elements of credit customers,credit products,credit process and credit risk,and analyzing the current situation and problems of private enterprise credit strategy of SX branch of YC bank.The four elements of credit products,credit customers,credit process and credit risk are interrelated and influence each other,which together constitute the combination system of credit strategies of private commercial Banks.Based on the design principles,general ideas and specific requirements of the credit strategy scheme,this paper generates the credit strategy scheme of private enterprises,and puts forward the implementation steps and safeguard measures of the credit strategy scheme,in order to provide reference for the optimization and upgrading of the credit strategy of other commercial Banks in China.Private enterprises are an important force in China's economic and social development,providing a broad employment channel for social practitioners and greatly invigorating economic development.Private enterprises are a new driving force for economic growth,a new force for independent innovation,a new bright spot for the flow of wealth,and a major force for stable employment.It is of great significance and necessity for commercial Banks to develop credit business for private enterprises.The problem of financing difficulty of private enterprises has existed for a long time,which greatly affects and restricts their further development.Therefore,it is urgent for commercial Banks to adjust and optimize their credit strategies for private enterprises.