A Study On The Problems And Countermeasures Of Small And Micro Enterprise Credit Business In The Branch Z Of Bank C

Since the beginning of the 21 st century,banking industry plays an irreplaceable role in national economic development and financial security.Small and medium-sized enterprises are important forces to expand employment,improve people's livelihood,and promote entrepreneurship and innovation.They play an important role in stabilizing growth,promoting reform,adjusting structure,benefiting people's livelihood and preventing risks.However,with the change of the domestic and international market environment,the small and micro enterprises are affected by the factors such as small scale,low standard of operation and weak solvency.The problems faced by the small and micro enterprises are increasingly prominent,such as the rising production cost,the difficulty of financing,the high cost of financing and the lack of innovation and development ability.Therefore,it is particularly important to explore the credit business development strategy of small and micro enterprises of China's commercial banks.It is of great reference value to help small and medium-sized enterprises to get out of the real dilemma of "financing is difficult and expensive" and to the stable development of China's society and the safe operation of the national economy.Based on the existing research at home and abroad,this paper takes questionnaire survey and case analysis as the main research methods to explore the Countermeasures of small and micro enterprise credit business in branch Z of bank C.It is found that:(1)The small and micro enterprise credit business of branch Z of Bank C is at a medium level in H Province.Although its small and micro enterprise credit business has certain advantages in concept and product compared with interbank banks,there are still many problems;(2)Analyzing the internal and external environment of Z branch of Bank C,we find that it needs to grasp financial technology while giving full play to its advantages and avoiding disadvantages And the opportunity of policy dividend,actively facing the challenges of horizontal competition,product advantages,professional talents,etc.,and focusing on innovation and development in business efficiency,customer acquisition channels,risk control management and other aspects;(3)Based on the analysis of small and micro credit business environment of Z branch of Bank C,the Countermeasures infour aspects are studied,Comprehensively strengthen the marketing and promotion ability,innovate and develop the diversity of small and micro credit products,continuously optimize the business process of small and micro businesses,and accelerate the digital transformation of risk management.