Research On Development Strategy Of Micro And Small Loan Business In QD Bank

In recent years,China’s small and micro enterprises have developed rapidly,which has become a very important part of China’s national economy and an important support to promote the development of national economy.The state has issued a series of policies to promote the development of small and micro enterprises,and the financial regulatory authorities have also increased the assessment of banks in serving the development of small and micro enterprises,which ushers in opportunities for the development of small and micro loan business.Besides small and micro businesses,the Internet companies,which have Internet plus finance,have launched a credit loan product that is popular with small and micro enterprises and has taken up the market share of commercial banks.Commercial banks must innovate the mechanism of serving small and micro enterprises,seize the opportunity of growing small and micro enterprises in China,expand their business and form new profit growth points,otherwise they will miss the opportunity of transformation and upgrading.In order to better develop the small and micro loan business of QD bank,this paper studies the small and micro loan business of QD bank to provide guidance for the small and micro loan business of QD bank.This thesis first qualitatively analyzes the current situation of micro and small loan business in QD bank and combs the problems and reasons in the development of micro and small loan business.Secondly,using interior and exterior SWOT analysis method,this thesis expounds the advantageous condition,disadvantaged condition,development opportunities and disadvantages in micro and small loan business development in QD bank so as to find the best match between internal advantages and external advantages,maximize strengths and avoid weaknesses,obtaining the enlightenment of micro and small loan business development in QD bank.Then,it puts forward the development strategy of micro and small loan business in QD bank from the following aspects:segmentation of target customer market,product differentiation of credit business,optimization of credit process and improvement of comprehensive risk prevention and control.Finally,the thesis puts forward safeguard measures based on improving the internal mechanism construction,strengthening the construction of talent team,using external preferential policies,adjusting the loan fault tolerance mechanism,reforming and optimizing the credit technology,improving the performance appraisal mechanism and etc.On the one hand,the research of this paper can help small and micro enterprises get rid of the difficulty of loan,on the other hand,it can also play a positive role in improving the core competitiveness of QD banks,and it can also provide inspiration and reference for the financial business development of other banks.