A Study On The Problems And Countermeasures Of The Small And Small Enterprises In The Hohhot Branch Of The Industrial And Commercial Bank Of China

Small and micro enterprises are the foundation of economic and social, and the important part of the non-public economy, plays an indispensable role in ensuring moderate economic growth, and no systemic risk, ease employment pressure, easy life of the masses, promoting technological innovation and maintaining social stability and other aspects, so small and micro enterprises has become a national policy tilt, major support areas. However, due to small and micro enterprises own shortcomings, our economic system and any other factors, making financing difficult has become a common problem of small and micro enterprises, largely hindered the development of small and micro enterprises in our country. At present, commercial banks are still an important channel for the financing of small and micro enterprises and the backbone of solving the problem of financing small and micro enterprises. Currently, under the new economic normality, it is forming a new growth engine, while external demand contraction, economic operation trend of differentiation, greater downward pressure on the economy. In this economic context, as the country’s largest commercial bank, servicing small and micro enterprises is not only a external requirements of servicing national strategy, but also the internal needs of ensuring the sustainable development and well-established of ICBC. By analyzing the problems of small and micro enterprises financial services and the reasons for these problems exist, solve the problems in the small and micro financial services by drawing other banks and advanced foreign experience, and study ways to improve financial services of ICBC branch in Hohhot.First of all, this paper describes the importance of small and micro enterprises, small and micro enterprise financing difficulties and national policy support for small and micro enterprises; at the same time, illustrate the important role of commercial banks in solving the problem of small micro-enterprise financing. As the country’s largest commercial bank, ICBC do need a positive attitude and sound measures to solving the problem of financing small and micro enterprises and supplying better financial services. By analyzing the problems of small and micro enterprises financial services and the reasons for these problems exist, propose a solution for enhancing small and micro business financial services of ICBC branch in Hohhot. Mainly from changing management concept, setting up full-time institutions, building full-time client manager team, improving the mechanism of assessment, changing marketing model, accelerating innovation of products, promoting financial comprehensive service and strengthening risk management and so on changes and improves small and micro business financial services of ICBC branch in Hohhot, faithfully fulfills the responsibility of social, helps the development of small and micro enterprises for thousands of businesses, for more small and micro enterprises provides better financial services.