Research On The Development Strategy Of Small And Medium Enterprise Credit Business In

Small enterprises to become the main force that will understand theemployment pressure in China each year the employment statistics, in the past a verylong period of time, our country on how to better provide credit support to smallenterprises to conduct in-depth exploration and research, made during a variety ofsituation of loans, but has not been explored appropriate credit business to providefinancial support for these enterprises, hinder the appropriate financing channels ofsmall enterprises. From a development perspective, the bank to solve the problem offinancing small enterprises and the banks to solve their survival and developmentneeds, at the same time, small business credit business can also create a new groupof customers for the bank, expand the field of financial services, improve thecompetitive ability of the financial market, realize the sustainable development ofsmall and medium-sized banks and small businesses win-win. To formulatedevelopment strategies and reasonable, to improve the bank in Small and microbusinesses credit business income, it is very important and improve the interests ofshareholders and to enhance the market share. The tactics of the credit business ofthe bank Small and micro businesses development in this case, it is necessary toexpand the scope of business and its timely seize the customer is. This paper basedon the bank development strategy theory, using qualitative and quantitative methodwere described in this paper, a comprehensive, in-depth analysis of the bank Smalland micro businesses credit business development in the external and internalenvironment, and on this basis, from the credit rating strategy, risk control strategy todevelop two aspects of contractor’s Bank micro credit business development strategy,and puts forward corresponding suggestions on safeguard measures, hoping toprovide some reference to the development of other banks Small and microbusinesses credit business.