Research On Optimization Of Small And Micro Enterprise Credit Business Of XM Ban

Small and micro enterprises are an indispensable force in China’s national economic and social development.They play an important role in improving labor and production efficiency,expanding social employment,narrowing the income gap,maintaining economic vitality and promoting market competition.City bank as an important part of China’s banking,is the main service of small micro enterprises,this paper selects the XM bank as the research analysis object,through the balanced scorecard,from financial,customer,internal operation,learning and growth the four levels analyzes the XM bank small micro enterprise credit business status,points out the problems existing in the actual business,and put forward small micro enterprise credit business optimization Suggestions,better service for the city bank of small micro enterprise provide reference.Through the analysis,XM Bank,as a local urban commercial bank,has thoroughly implemented the deployment requirements of the CPC Central Committee and The State Council on improving the financial services for small and micro enterprises,promoting and reducing the financing costs of small and micro enterprises,and achieved good results in serving the high-quality development of small and micro enterprises.Meanwhile,XM Bank has problems including small loan scale,difficult loan cost control,high credit risk control pressure,low single customer financing amount at customer level,low approval efficiency and difficult risk management at internal process level,and insufficient product innovation momentum and weak credit team construction in learning and growth level.Combined with the above existing problems,This paper proposes optimization from four levels of the BSC,One is the financial level,Actively participate in promoting the cooperation of credit information sharing mechanism,Optimize and improve the comprehensive pricing level of loans,Expand the diversified sources of credit funds,Actively explore the non-performing loan disposal mode;Second,at the customer level,Strengthening financial support through scientific and technological innovation,Increase financial support for key areas and industries,Actively carry out bank-insurance and business cooperation;Third,at the internal process level,Establish a professional credit business loan review team,Simplify business operation procedures and improve handling efficiency,Build a whole-process risk control and management system;Fourth,at the learning and growth level,Enhance the business support of product managers,Improve manpower allocation and broaden promotion channels,We will Improve and improve the incentive mechanism of differentiated performance appraisal mechanism.