Research On The Application And Optimizing Strategy Of S Agricultural And Commercial Bank's “Credit Factory” Model

SMEs are in an important position in the national economy and are gradually becoming the main force for the development of social productive forces.They are indispensable partners and assistants for large enterprises.SMEs not only increase the national tax revenue,but also provide jobs to promote industrial and social innovation.However,the development of SMEs is very difficult.Difficulties in financing for SMEs and the difficulty in obtaining working capital required for their operations are the main reasons for their current development difficulties.At the same time,with the deepening of interest rate liberalization and financial disintermediation,commercial bank credit business including rural commercial banks is also seeking transformation.Solving the problem of financing difficulties for SMEs is not only an obligation for banks to fulfill their social responsibilities,but also an opportunity to broaden their business areas.It is also a realistic requirement for dealing with competition in the context of the industry's active development of SME business.Since the operation of the “credit factory” model of S Rural Commercial Bank,certain results have been achieved,but there are still some problems.Analysis of the status quo and problems,and propose an optimization strategy,which is conducive to promoting the development of SMEs' credit cusiness of SME,maximizing corporate value,promoting the development of local SMEs,and promoting urbanization and local economic development.The research of this paper first introduces the research background and research significance of the article,summarizes the relevant research status of the research objects at home and abroad,summarizes the content of the article and the methods used in the research,and expounds related concepts and theories.Then it briefly introduces the basic situation of S RCB,the credit business situation of SMEs and the operation situation,analyzes the customer group characteristics of SME's SME credit business,and finally points out the current problems of SME's SME credit business.Then it introduces the framework,process and application effect of S-bank's “credit factory” model,and then analyzes several major problems in the application.According to the previous research,it is proposed to optimize S RCB's “credit factory” model from four aspects: promoting product innovation,strengthening risk management tools,designing efficient business processes,and enhancing personnel security.Finally,the conclusions of this paper are summarized,and the application prospect of the “credit factory” model in S RCB is prospected.