Research On Small Business Contractor Bank Lending Technology Model

Micro and small enterprises are important part of our national economy. They are huge numbers and distributed all over the world, which played a great role in promoting economy, convenient living and employment increase. The contribution rate of micro and small enterprises to the national economy is increasing year by year and their development is related to the society stability and the employment problem, so they play an important role in business and economic activities of the community as a whole. However, due to the asymmetry of information, micro and small business loans are more difficult. Some micro and small enterprise have good market prospects and to do business they need loans, but the banks dare not to disburse loans to them. Because of by the traditional ways such as industrial and commercial registration, project approval, and other general information, it is difficult for the bank to grasp the true statement of the enterprise. If the bank cannot understand the situation of the enterprise, it cannot provide loans to it.At the same time, some banks are willing to do small business loans, but many small businesses do not know from which bank access to financial services. So information asymmetry is a direct result of the difficulty dilemma in obtaining loans and providing loans.How to solve the problem of asymmetric information technology will be a major problem that faced in front of the commercial banks, but also the core of this study.In this paper, based on research of micro and small business loans models inside and abroad, through analyzing and comparing loans technology models that provided by domestic banks and Baoshang Bank, it provides new ideas for city commercial banks in micro and small enterprises service. What’s more, it can explore an effective model to improve banks efficiency and increase the satisfaction rate of clients, thus contributing to the sustainable development of China’s economy.