Research On The Development Of Small Commercial Loans In Qingdao Rural Commercial Bank

With the rapid and sustainable development of our country’s economy, small and micro enterprises perform a fast-growing development, and they play an important and strategic role on the whole process of economic development in our country. However, difficulty in financing for them is still the main problem of perplexing the survival and development of.Due to the single financing channel of small and micro enterprises, it brings the imbalance of supply-demand relationship, and the bank has a flexible bargaining power. Commercial banks can enhance comprehensive income level through developing small and micro-finance business. In recent years, many financial institutions have stepped up efforts to support small and micro enterprises, and have taken the loans for small and micro enterprises as an important component in the future sources of profits. This paper takes Qingdao Agriculture and Commerce Bank as the research object, from reality, carries on an research about the loans situation and development countermeasure of the bank’s small micro-enterprises.First, the paper makes an analysis of loans status and problems of Qingdao Agriculture and Commerce Bank for small micro-enterprises, and its main contents include:profile and status quo of Qingdao Agriculture and Commerce Bank, many problems faced by Qingdao Agriculture and Commerce Bank in the small micro-enterprise loan business development, such as irrational resources allocation, lack of staffing, and stimulation from assessment. And these cannot play an positive guiding role, and does not really implement the single way of guarantee of the professional management and mortgage pattern for small micro-enterprises financial services. Scale and personalized product line has not been formed for small and micro enterprises. There is no set of appropriate information technology operating system to match. These problems above have all led to arrested development of loan business of Qingdao Agriculture and Commerce Bank for small micro enterprises.Secondly, carry on a loans strategy innovation of Qingdao Agriculture and Commerce Bank for small micro enterprises, including innovative management model, the establishment of credit thinking, innovative technology of credit to solving difficult financing, innovative way of credit products and services, innovation risk management approach.Then, make a description of building business system and market development of small micro-enterprise, including the establishment of credit scoring models and approval system, building customer risk identification control system, improving the system of financial products and related service system, the interest rate difference scientific pricing and quota management strategy, precise marketing strategy of small and micro enterprises, building business marketing team and so on.Finally, the paper analyzes loans strategic plan with implementation strategies of the Bank of Qingdao Agriculture and Commerce for small micro-enterprise. Implementation contents mainly include:accelerating team building and personnel training of loans business for small micro-enterprise, streamline business processes, reducing operating costs, using incentives method for performance evaluation assessment, attention to service quality for customer managers, strengthening specialized risk management and supervision for small micro-enterprise loans, solving the financing requirements of sustainable development for small and micro enterprises, and establishing long-term cooperative relationship with customers. All research contents of the thesis are the analysis of actual credit business development situation based on Qingdao Agriculture and Commerce Bank for small micro-enterprise credit. Therefore, research strategy proposed finally is also effective, able to provide decision basis for loans business development of this bank for its small and micro enterprises.