Research On The Promotion Of B Bank Small Business Credit Ability

Small business is the main driving force for national economic growth and development, it is can not be replaced. From the economic and social status, it is the fast rising period for the small business now, small and medium-sized enterprises accounted for more than99%of the total number of Chinese enterprises, has created more than60%of China’s GDP share. According to the supervision department released data show, by lending support to the enterprise is only about10%, total loans to small and medium enterprises accounted for only about14%of the total domestic bank loans, as a result, the small and medium-sized enterprise financial demand in China’s huge market potential. How to make the development of small enterprises credit of commercial banks better, faster, and the realization of banks and enterprises "win-win" is the current commercial bank urgent task.B is one of the listed commercial banks in China, head office, branch, branch management model in China’s financial market development, the business of B bank in a branch for investigation focus on guiding the direction, orientation, the small business credit strategy and credit to small branch performance enterprises through the branch of B bank, and strive to achieve long-term development in the small business credit.The development of credit to small enterprises about B bank, from the policy level, it is the small business credit support, and from the market environment, it is financial disintermediation compressed credit income, from the bank internal development, it is the urgent requirement of improving capital efficiency and market level, from the long-term development perspective，it is to grasp the economic transition opportunity urgently, so the development of B bank small business credit has its necessity. At present, B bank small business credit business performance more prominent, small business organization structure is clear, both experience and market dominant gene, but also in thought, processes, products and staff have a certain disorder. After the field survey found, outstanding problem of the B bank at present development of small business credit exist for the guarantee measures strictly, guarantee way is single; the loan approval authority on the land, the approval process is complicated; the inspection mechanism and the way of employment is not reasonable; small business customer manager’s professional quality to be improved, HY Engineering Company Limited adverse credit case and DK building materials limited company guarantees that B bank non-performing loan case can be a very good one and customer manager professional quality low phenomenon.In order to constantly improve their own only with "the advice, your idea" in the full understanding of their own problems. From the United States Citibank and Standard Chartered Bank small business credit practices, we can see that foreign banks pay more and more attention to product specialization and diversification in the small business credit, mining customer mode is also different, the bank internal personnel structure to adjust, optimize the approval process and the approval of more scientific and reasonable.The end comes from the research to solve the problem, through the above study, we hope to help promote the ability of B bank small business credit, so the article finally comes to put countermeasures and suggestions about the small business credit ability of B bank. The first is from the customer and regulatory aspects, product innovation, guarantee mode innovation to enhance product innovation, enhance the professional management level of small business. Secondly, accelerate system innovation to optimize the approval process. The main idea emphasis on the examination and approval process standardization, simplification, standardization and approval model innovation. Third, from the training, staff of the diversified employment forms and construct scientific assessment system to strengthen the team building. Fourth, establishes the reasonable labor dispatch system credit assistant way of employment. To improve the quality of students from the source, raising the threshold, set up credit organizations, considering the employee can bear force and the training of the staff loyalty.Small enterprises have a large potential financial market. Commercial banks for small business loans, the small enterprises are widely distributed, and the single-family loan amount is small, and bank bargaining ability is strong, they can get higher returns if they provide financial services to small businesses. So the study of the small business credit has a potential market, meeting the investor demands.For the banks, also can conducive to broaden the channels, to achieve sustainable development through scientific and technological innovation, optimize the approval process, and innovation production, optimize the employment way of commercial bank credit scale operation and automation management, so as to continuously enhance the ability of commercial banks to small business credit.