Research On The Financing Business Development Strategy Of Small And Micro Enterprises Of Industrial And Commercial Bank Of China Changchun Branch

Small and micro enterprises are the important foundation of national economic and social development,and also an important channel to start businesses and enrich people.They play an important role in expanding the employment market,increasing national income,improving people's life,promoting social stability,increasing national taxes,etc.China's small and micro enterprises contribute more than 50% of tax revenue,more than 60% of GDP,more than 70% of technological innovation,more than 80% of urban labor employment,more than 90% of the number of enterprises,which is an important carrier of mass entrepreneurship and innovation.Compared with the contribution of small and micro enterprises to the overall economy in China,the financial institutions do not support the financing of small and micro enterprises.There is a big gap between the economic contribution of small and micro enterprises and the loan support of financial institutions to small and micro enterprises.For a long time,the financing problems of small and micro enterprises such as "expensive","complex","short","narrow" and "afraid" have seriously restricted the development of small and micro enterprises.This paper takes the financing business of small and micro enterprises of industrial and Commercial Bank of China Changchun Branch as the research object.Firstly,it expounds the research background,research significance and relevant theories of financing business of small and micro enterprises.Secondly,it focuses on the necessity of developing financing business of small and micro enterprises of industrial and Commercial Bank of China Changchun Branch and Changchun Branch of industrial and Commercial Bank of China in combination with the basic situation of Changchun Branch of industrial and Commercial Bank of China Finally,find out the problems of small and micro enterprise financing business of industrial and Commercial Bank of China Changchun Branch and analyze the reasons.In view of the problems existing in the financing business of small and micro enterprises of industrial and Commercial Bank of China Changchun Branch,this paper puts forward the followingstrategies: first,focusing on the differentiation strategy of key products,establishing the product differentiation of Changchun Branch mainly by building three inclusive brands;second,increasing the media publicity,strengthening through media,advertising,outlets,"three linkage","three walk" and other forms The promotion of small and micro financing products of industrial and Commercial Bank of China;the third is the competitive strategy of taking multiple measures simultaneously.On the one hand,we should keep the traditional small and micro credit business and provide guarantee for the development of other businesses;on the other hand,we should speed up the promotion of digital inclusive business and achieve the leading position in the competition among peers.This paper is divided into four chapters.The first chapter is the introduction,starting from the development of small and micro enterprise financing business of industrial and Commercial Bank of China Changchun Branch,combining with the actual business background,to find out the existing problems,to explore the research methods and research content,and to list the domestic and foreign classic theoretical basis and document overview.The second chapter analyzes the problems existing in the small and micro enterprise financing business of industrial and Commercial Bank of China Changchun Branch.The third chapter mainly through the external and internal environment analysis and SWOT analysis to find out the factors that affect the development of small and micro enterprise financing business of industrial and Commercial Bank of China Changchun Branch.The fourth chapter mainly based on the previous content for the industrial and Commercial Bank of China Changchun Branch small and micro enterprise financing business development problems found and detailed analysis,summary of the problems,put forward a reasonable development strategy and implementation plan.