Contractor Bank Small Business Loans Core Technology Research

Micro and small enterprise (MSE) is the main channel to solve the employment, a lot of people start small businesses often from small business. As the world's most populous country, To develop small enterprises is an important strategic significance for solving the employment,stable society, promoting economic and social harmonious. our country have spent too much time for exploring how to providing credit support to small enterprises, release a variety of loans, but has not created an appropriate credit technology for them, and small enterprises always lack of appropriate financing channels, it is difficult to access bank financial services, impedes small corporations on social contributions. On the other side, to solve financing problem of MSE is the needs of bank for survival and development. Financial services for MSE can create a new banking customer base, expand the films of service, improve competitiveness and achieve sustainable development of small and medium banks.To develop MSE credit business is also an inherent requirement of small commercial banks for their own development. Baoshang Bank carried out MSE loans, mainly for small businesses, The technology from German IPC company to introduce a better solution to the credit of the banks and small business problem of asymmetric information, It is a great theoretical and practical significance to solving difficult problems MSE loans and contributing for sustainable development of BaoShang Bank's MSE loans.The base of this article is the technology and basic conceptions of MSE loans. Utilize micro-economics sustainable development theory and the theory of micro-finance as a point cut, profound analyze the technology of MSE credit.And puts forward a wealth of MSE credit technology, increase manners of customer service, thereby expanding the brand to enhance the competitiveness of policy recommendations.In this article, I combinated the theoretical knowledge and practical experience, approaching investigation and demonstration on the subject of MSE loan technology.As the level of my knowledge and ability is limited, the text and content points have its drawbacks, Please oblige me with your valuable comments.