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Study On The Optimization Of "Loan Loan" In Small Bank Enterprises

Posted on:2017-01-31Degree:MasterType:Thesis
Country:ChinaCandidate:Z Y WuFull Text:PDF
GTID:2209330485950856Subject:Finance
Abstract/Summary:PDF Full Text Request
Small micro-enterprise financing has been a worldwide Problem, commonly known as "Macmillan gap." In the current "three overlay" economic conditions, the market increasingly competitive, commercial banks began to spread income shrinking further develop the field of small and micro credit, the Potential formation of crowded, but in terms of constructing small and micro credit system development, there are few success stories. P Kunming Branch Bank will also focus on small and micro enterprise business into the field of development. But in the limited market and fierce competition with industry how from their own reality, establish and improve the small and micro credit business internal control system of commercial banks to improve internal management and risk control capability, enhance competitiveness, it is currently Placed in the P Bank one room in front of Kunming branch of solved Problems.In this paper, research methods theory and Practice, to explore P bank credit and revolving loan combining the development of small micro-credit idea, first operational SWOT analysis describes the advantages of P Bank of small micro-enterprise revolving loan, weaknesses, opportunities and challenges described P micro-circulation small bank loans despite having a certain market competitiveness, but then there is room for improvement in any upgrade. By P bank small micro-loan business cycle has been re depth study analyzed for the Presence of small banks P micro-circulation lending Problems, the use of literature review methods, combined with relevant literature content on commercial bank credit business, with the success domestic and foreign commercial banks to small and micro credit business case comparison, the causes of their Problems. According to relational theory Plus P Credit Bank of comprehensive analysis of the actual situation, starting from the causes of the Problem, we come to solutions to Problems and countermeasures. I believe these Programs can help P and Countermeasures bank branches across the country and even eliminate some of the small micro-credit business risks. Finally, sum up experience Kunming P micro-circulation small bank loans to the development of methods to solve the general Problem of development of small and micro enterprises raised.We find that, to solve the Problem of small micro-enterprise development can not rely solely on the strength of commercial banks. Lack of capacity P small bank loans micro-circulation case of small micro-loan officer of the bank as well as small and micro market research deficiency is the main risk. Marketing, improve the Performance evaluation system and Post-loan management system on the one hand the ability of small and micro level loan officers Put forward certain requirements, on the other hand also to improve the quality of small and micro business loan officer, to strengthen cooperation with the electricity supplier Platform in order to reduce the Pre-market small and micro inadequate research, but these can only improve the quality of small-sided micro credit, small micro-enterprise credit record blank situation has not changed, in order to fundamentally solve this or rely on government-funded accumulated collect and share data with the bank, or the like Ali, Jingdong this Platform for electronic business has accumulated a large number of small micro data that they can establish their own recognition of small and micro credit system.
Keywords/Search Tags:small and micro enterprises, revolving loan, risk
PDF Full Text Request
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