Study On The Implementation Of Credit Policy For Small And Medium-sized Enterprises In County

At present,SMEs play an important role in promoting my country’s economic growth and have now become an indispensable part of the market economy.Relevant data show that SMEs contribute more than 50% of tax revenue,up to 60% of GDP,no less than 70% of innovation,and more than 80% of jobs in China.At the same time,more than 90% of Chinese companies are SMEs.In the modernization construction,small and medium-sized enterprises have become the main force to improve the level of economic development and promote social progress.They are the solid foundation for the realization of stable economic development.They are not only the core force for boosting employment rate and guaranteeing people’s livelihood,but also the vanguard for the development of entrepreneurial spirit.fortress.For the county,small and medium-sized enterprises are the main body of the local company structure,which is related to the transformation and upgrading of the regional economy,and plays a decisive role in the employment rate and social harmony and stability of the county.The 14 th Five-Year Plan clearly states that the functions and attributes of finance should be brought into full play,so that finance can better serve the real economy,which increasingly highlights the criticality of financial policies.Since its establishment,Bank N has adhered to the concept of serving "agriculture,rural areas and farmers" and helping the real economy,and has now developed into a solid force in my country’s rural financial system,playing an irreplaceable role in promoting the orderly progress of small and medium-sized enterprises.For a long time,N Bank has provided various financing support for small and medium-sized enterprises,and is committed to the development and growth of small and medium-sized companies,which is widely praised by the society.However,due to their weak anti-risk ability and small scale,small and medium-sized enterprises have increased financing difficulties and high financing costs.Although the scale of small and medium-sized companies in my country’s enterprises accounts for 90%,their credit scale is less than 20%,and financing difficulties are serious.hinder the orderly development of SMEs.It is undeniable that in order to ensure the survival and development of small and medium-sized enterprises,the Agricultural Bank of China has continuously innovated business models,formulated diversified credit policies,and achieved remarkable results.It is of great practical value for banks to conduct in-depth exploration on the implementation of SME credit policies in bank-enterprise cooperation.Therefore,this paper uses literature method,case analysis and other methods to analyze the implementation of the SME credit policy of N Bank in Q County,and analyzes the overall situation of the SME credit business of N Bank in Q County.It also gives specific suggestions on improving the bank’s credit policy from the perspectives of macro environment,policy implementation,implementing agencies and target objects,so as to promote the healthy and rapid development of N Bank,and develop small and medium-sized banks for other county banks.Enterprise credit business provides a reference for reference.