Design Of Small And Micro Homestay Credit Scheme For Commercial Banks In The Post-epidemic Period

In the context of COVID-19 sweeping the world in early 2020,the risk appetite of commercial banks tends to be conservative,but the regulatory authorities are increasingly demanding commercial banks to develop inclusive finance business,and the "dilemma" requires commercial banks to re-examine the small and micro credit business opportunities in subsectors.The home stay industry is still in its infancy,and small and micro home stay enterprises are often troubled by financing problems due to the long operation and investment cycle,the greater impact of the epidemic and the lack of qualified collateral.Limited by the risk prevention of banks,the traditional credit mode of residential mortgage leads to the limited support of banks for small and micro home stay enterprises and low financing efficiency.The author used theory combined with practice,through the method of literature study,questionnaire investigation,such as enterprise visits to collect data to carry out the research,from the perspective of the development of commercial Banks to small micro credit of a home stay facility,through the questionnaire analysis of small micro current operation home stay facility,objective understanding of personal investment,enterprise investment and government push the home stay facility the commonness and personality characteristics of the enterprise,Explore the credit demand of various types of home stay enterprises.On the basis of analyzing the situation of home stay enterprises and the existing credit policies of commercial banks,different types of guarantee methods are matched for small and micro home stay enterprises with individual investment,enterprise investment and government promotion,and scheme innovation is carried out by introducing the pledge of hotel night right and establishing risk sharing mechanism.For home stay facility credit business risk point,from the business mechanism,credit control,personnel training,flexible authorization and carry out the liability specific safeguard measures are put forward in five aspects,from identifying customers,interactive marketing,optimization of structure,the implementation of the policy,information sharing,open source on six Angle after summarizes the response in the period of the outbreak,Finally,from the five perspectives of "dare to lend,will lend,can lend,willing to lend",the paper puts forward suggestions to improve the home stay credit service strategy in the future,in order to meet the loan needs of small and micro home stay enterprises to the greatest extent under the premise of risk control,and achieve a win-win situation between commercial banks and small and micro home stay enterprises.