Research On The Development Strategy Of Small And Micro Enterprise Loan Business Of Z Rural Commercial Bank

Small and micro enterprises are an important part of our national economy,an important carrier of mass entrepreneurship and innovation,and an important support for realizing the national economy in the direction of high quality.They are numerous,involve all walks of life,provide a large number of jobs and tax revenue.However,due to the small capital,lack of collateral,poor anti-risk ability and limited corporate governance level,small and micro enterprises have financing difficulties and expensive phenomenon.Promoting the financing of small and micro enterprises is an objective requirement for coordinated and shared development.On the one hand,it can meet the financial service needs of small and micro enterprises.On the other hand,it is helpful for financial institutions to diversify operation,enrich asset allocation structure and disperse credit risk.Z Rural Commercial Bank was integrated and established in June 2014 on the basis of the former X City Rural Credit Cooperative Association and N District Rural Credit Cooperative Association.Since the reform,based on the service of "agriculture,rural areas" and micro,small and medium-sized enterprises,the improvement of the financing environment of small and micro enterprises as the primary goal,has become the inclusive bank with the largest institutions,the most personnel and the most extensive service coverage among the banking industry in X City.However,as more and more commercial banks join the competition in the loan business of small and micro enterprises,Z Rural Commercial Bank’s small and micro enterprise loan business has been faced with high loan operation cost,small and micro enterprise loan difficulties,low business handling efficiency,high non-performing loan rate.This paper takes the small and micro enterprise loan business of Z rural business as the research object,analyzes the current situation,existing problems and causes of the small and micro enterprise loan business of Z rural business,and discusses the development strategy of the small and micro enterprise loan business of Z rural business.Through questionnaire and interview analyse,this paper clarifies the operation situation and existing problems of Z Rural Commercial Bank’s small and micro enterprise loan business.Then,using PEST model to analyze the political,economic,social and technical environment faced by Z Agricultural and Commercial Bank,elaborated the macro environment faced by Z Agricultural and Commercial Bank;Using Porter’s five forces model,analyzes the position of Z Rural Commercial bank in the whole industry;The SWOT analysis matrix is used to further analyze the opportunities and threats of the external environment and the strengths and weaknesses of the internal environment of Z Rural Commercial Bank,and to provide strategic guidance for the development strategy of small and micro enterprise loan business of Z Rural Commercial Bank.Finally,it discusses the guiding ideology,implementation path and safeguard measures of Z Rural Commercial Bank small and micro enterprise loan business development strategy design.