The Study Of Our Regional Joint-stock Commercial Banks' Small Business Credit Management

Small business credit issues often become hot topic in recent years. Research in this area of concern is also growing. Based on the perspective of the regional joint-stock commercial banks, combining years working experience in corporate credit, this article is elaborated the important meaning of small business credit to our country economy and the development of commercial banks, discussed problems existing in small business credit of regional joint-stock commercial banks, and attempt to make some effective solutions and recommendations.Based on the background, significance and Research Trends Domestic and Overseas, started with the process and Feature of small business credit, the article is comparatived and analyzed the current development of China's small business credit, and then present problems of our regional joint-stock commercial banks in small business credit, such as information asymmetry between bank and enterprise, not perfect risk prevention system, and so on. Then from state, bank and enterprise point of view, it's given some detailed proposals for perfecting small business credit, such like strengthening national macro-policy support, establishing sound financial management system, strengthening financial factors and non-financial factors, standarding Monitor of loans, strengthening risk management, to be able in some areas, to serve and promote small business credit business fast and healthy development of our regional joint-stock commercial bank.Focused on stating problems and solving problems, this article is written emphatically in explain and elaboration of small business credit, such as detailed proposals on initial stage, inter-stage and following stage of bank credit. However, it's concerned on macro-analysis as well as micro-analysis, such as analysis on national policy.