Research On The Optimization Of Credit Business Development Strategy For Small And Micro Enterprises In ICBC Branch B

The difficulty of financing small and micro enterprises has always been a problem that domestic and foreign governments attach great importance to and want to solve.In recent years,the recurrence of the new crown epidemic has directly affected the production and operation of small and micro enterprises.On the one hand,small and micro enterprises play an important role in China’s market economy,on the other hand,as a demand for credit business,there is a contradiction between the supply and demand of credit business provided by commercial banks.In recent years,as the Party Central Committee and the State Council attach great importance to the development of inclusive finance,especially the focus of small and medium-sized enterprises as loan objects,clear requirements have been made in terms of loan growth rate and the number of households loaned.Therefore,the development of small and micro enterprise credit business is not only to respond to the call and supervision of the state,to serve the development of the real economy,but also to the social responsibility of commercial banks.Commercial banks also urgently need to develop the credit business of small and micro enterprises in order to further enhance their profit margins.Based on the theoretical basis of Macmillan gap and information asymmetry,and through consulting relevant literature,through questionnaires and case analysis,etc.,through the investigation of small and micro enterprises and the account manager of Branch B,it is concluded that the credit business development of small and micro enterprises in Branch B is mainly due to unreasonable customer structure,low loan approval efficiency,unrich loan products,large risks of small and micro enterprise loan business,insufficient understanding of loan policies by small and micro enterprises,and insufficient construction of customer manager teams.Finally,the key issues in the development of small and micro enterprise credit business of ICBC B Branch are summarized,and then further proposed to optimize the credit structure of small and micro enterprises,improve the marketing channels of small and micro enterprises,strengthen the construction of customer manager team,and implement the optimization of credit business development strategies for small and micro enterprise credit risk prevention and control.