Industrial And Commercial Bank Of Jilin Province Study On The Sustainable Development Of Small Enterprise Credit Business

Industrial and Commercial Bank of Jilin Province is a small business credit business resumption in 2009, after more than two years of development, small business credit business has been leaps and bounds, to take the certain results, for the economic development of Jilin Province has made contribution, but with the small business credit business evolves, some deep-seated problems have exposed a direct impact on the sustainable development of small business credit business momentum, this article is divided into four chapters, from Jilin Province, the bank small business credit the status quo of development, using a variety of analytical methods, in-depth study of Jilin ICBC how small business credit business of sustainable development. In this paper, Chapter 1 introduces the topics of this paper the background and significance of the overall structure, while small businesses mentioned in this article are defined.In this paper, Chapter 2 focuses on the development of small enterprises and the bank small business credit business development, focusing on the small business credit business development in China's ICBC relevant circumstances, and the bank presents the characteristics of small business credit. Drawing on the experience of outstanding domestic and foreign banks, through the Construction Bank, Standard Chartered Bank, Citibank business credit for small businesses some of the innovative, focused on analyzing the foreign banks to treat small business credit business different.In this paper, Chapter 3, is to analyze the province ICBC small business credit business in the last two years of development, several issues arise, while the causes of the problem analyzed. Jilin ICBC by the development of small business credit and small enterprises in Jilin Province ICBC's credit criteria and credit analysis process to identify the impact of the province the bank small business credit business factors of sustainable development through small enterprises in Jilin Province financing needs analysis, find the node.In this paper, Chapter 4, on the issues raised, focusing in particular on small business credit process is part of the investigation and review of key aspects of a detailed description, mainly to give readers a more systematic understanding of the key part of process reengineering, It also proposes to increase funding and improve the quality of product innovation and marketing strategy, the overall idea of trying to provide customers with diversified services, innovative services, to provide a more personalized service.In short, the current commercial banks are small business operations as a new profit growth point, Jilin Province, ICBC has the power to maintain its sustainable development, the need for small business credit overall reform process by strengthening the focus on the approval to take the credit facility was mode, and quickly occupied the market, small business credit business in order to ensure sustainable development.