Research On Optimization Of Digital Management Of Small Enterprise Loans In J Branch Of A Commercial Bank

In recent years,China’s economy has maintained a stable and positive development trend,with its gross domestic product(GDP)breaking through the million billion yuan mark for the first time in 2020 and achieving a record of 121 trillion yuan in 2022.In achieving such remarkable results that have caught the world’s attention,Chinese small and medium-sized enterprises have played an irreplaceable and important role.They have contributed over 50%of taxes,over 60% of GDP,over 70% of technological innovation,over 80% of urban labor employment,and over 90% of the number of enterprises(Data source: The first meeting of the State Council Leading Group for Promoting the Development of Small and Medium Enterprises on August 20,2018),The rise and fall of small and medium-sized enterprises are related to the future of national development.However,affected by economic globalization,rising trade protectionism and the COVID-19,China’s economic growth has slowed down,and the Lebensraum of small,medium-sized and micro enterprises has gradually been squeezed.The operation and development of small,medium-sized and micro enterprises have always faced such acute problems as difficult and expensive financing.With the gradual improvement of China’s digital infrastructure,a series of digital technologies such as 5G,artificial intelligence,and big data are becoming increasingly mature.The traditional banking industry has also begun to implement digital reforms and carry out digital businesses.In the digital wave,various business behaviors of small and medium-sized enterprises are processed and transformed into massive digital information,such as orders,account transactions,tax payments,etc.It is increasingly possible to use digital technology to accurately depict small and medium-sized enterprises.How the banking industry can leverage its own financial advantages,utilize digital technology to obtain more comprehensive information on the operational status of small and medium-sized enterprises,and efficiently solve the problem of difficult and expensive financing for small and medium-sized enterprises has become one of the important issues that commercial banks must consider and solve.Therefore,it is particularly important to study the optimization of digital management of small business loans.This thesis takes the J branch of A Commercial Bank as an example to analyze the current situation of digital management in six aspects: personnel management,performance management,system construction,product research and development,business marketing,and business processes(including business acceptance and investigation,risk evaluation and approval,contract signing,loan issuance and payment,and post loan management)of J branch of A Commercial Bank.Through research,interviews,and questionnaires,etc,Analyze the problems in the digital management of small enterprise loans in J Branch of A Commercial Bank,identify the negative impacts and reasons caused by these problems,and study optimization suggestions and guarantee measures for the digital management of small enterprise loans in J Branch of A Commercial Bank.This thesis provides relevant explanations from seven parts.Chapter 1 is an introduction,explaining the research background,purpose and significance,research content and methods of this thesis.Chapter 2is the theoretical foundation and literature review,introducing the basic concepts and related theories involved in this thesis,and elaborating on the current research status at home and abroad.Chapter 3 is the current situation of digital management of small enterprise loans in J Branch of A Commercial Bank.It analyzes and elaborates on the overall situation of J Branch,basic situation of small enterprise loans,and digital management of small enterprise loans.Chapter 4 discusses the problems in the digital management of small enterprise loans in J Branch.Through conducting research and interviews,the problems in the research and development of small enterprise loan products,business marketing,and business processes in J Branch were diagnosed.Chapter 5 is an analysis of the causes of the digital management of small enterprise loans in J Branch,focusing on the execution of digital strategies,management mechanisms,product research and development capabilities,and integrated development.Chapter 6 is the optimization suggestions for the digital management of small enterprise loans in J Branch,specifically proposing optimization suggestions for improving the digital level in product research and development,business marketing,and business processes.Chapter 7 is the conclusion,summarizing the main research conclusions of this article,and summarizing the shortcomings and prospects of this study.Through the specific research and analysis of this thesis,it provides theoretical support for commercial banks to optimize the digital management of small enterprise loans,which helps to promote the development and deepening of research on digital management of small enterprise loans in commercial banks.In the face of the increasingly fierce market competition environment,the changing new needs of small and medium-sized micro enterprises,the uncertainty of the prospects for economic recovery after the COVID-19 epidemic,and other prominent issues,Commercial Bank A Branch J,based on its strategic positioning of serving "agriculture,rural areas and farmers",urban and rural residents,and small and micro enterprises,practices the strategic mission of "benefiting urban and rural areas,so that there is no distance between financial services".Commercial Bank A Branch J should further optimize the digital management of small enterprise loans,Identify methods and measures for improving digital management of small enterprises,and promote the realization of various business management and development goals of J Branch in the process of better and more effective support for the operation and development of small and medium-sized enterprises in J Province.