Research On The Development Strategy Of Credit Business Of Small And Micro Enterprises In Hebei Branch Of Bank J

In our current market,small and micro enterprises have accounted for more than 80%of the total number of enterprises,making increasing contribution to the economic development,playing a pivotal role in taxes,innovation,employment and so on.Although small and micro enterprises can make flexible and rapid business decisions,but they have limited scale,poor anti-risk ability and non-standard financial system.Before the national policy ordinate,they have always been the object of credit not favored by commercial banks.A small number of small and micro enterprises that can obtain bank credit not only need to provide a certain value of collateral,but also need to bear high loan interest,so the problem of "difficult and expensive financing" is very prominent.Since 2003,China has promulgated many laws,regulations and guidelines to support and safeguard the development of small and medium-sized enterprises,raising the development of small and micro enterprises to the legal and political level;In 2018,the CBRC and the People’s Bank of China officially included the development indicators of small and micro enterprises in the assessment of commercial banks.Because of the diversification of financing channels,commercial banks are no longer the original role of the seller,so they must consider the transformation and development and look for new profit growth points.In this context,the development of small and micro credit business of commercial banks has become a necessary direction under market regulation and policy guidance.Hebei Branch of Bank J,as a large state-owned joint-stock Banks in the region in hebei province branch,facing spreads narrow environment,as well as the industrial transformation and upgrading of the regional environment in Hebei province,guidance and assessment of commercial banks in the country to vigorously develop small credit business,under the policy of the development of small credit business as its must face a choice.This paper takes the small and micro credit business development strategy of Hebei Branch of J Bank as the research object.Firstly,through literature analysis,the research framework and theoretical basis are determined,and the entry point of analysis is found.Then,based on PEST,Porter’s five forces model and EFE external evaluation matrix,it analyzes the external environmental factors faced by Hebei Branch of Bank J’s small and micro credit business.The value chain method and IFE internal evaluation matrix are used to analyze the internal conditions of small and micro credit business in Hebei Branch of Bank J.Combining the above analysis,the internal and external various quantitative factors,the advantages and disadvantages in the use of SWOT,QSPM matrix and other related theory,find Hebei Branch of Bank J small credit business development strategy,sums up the study area is small micro methods of the credit business,puts forward its own Suggestions,finally agree with actual and effective business assurance measures are put forward.