Research On The Development Of Small And Medium - Sized Enterprise Credit Business

Small micro enterprises get more and more active in our country social economy’s performance, it is an important part of our social economy. Small micro enterprises promote the moderate economic growth, increase employment, ensure the stability of the society, and also optimize structure of the national economy.Especially under the increasingly complex background of international economy and trade, the growth of small micro enterprises has injected new impetus to the steady development about growth of domestic market economy, also played a role of decentralizing market risk and strengthening market competition, and created domestic demand and employment.At present, China’s small and micro enterprises are on the rise period of development, many difficulties and obstacles exist in small and micro enterprises credit business. Loan financing needs of small and micro enterprises have low credit rating and difficult financing guarantees. Because of various reasons, resulting in operating losses and high debt ratio and other issues subjectively and objectively, some enterprises use a variety of means of tax evasion, tax evasion. Some small micro-enterprises’ financial management system is flawed and cannot provide the financial statements that comply with its standards to the bank, and it reduces the enterprise’s credit rating in the loan approval. Some small business owners have the legal consciousness at the beginning of the operation and development. When operating difficulties arise, some deliberately defaults loan in the name of personal or the circumstances, it also results in the decrease of its corporate credit rating. These problems lead small micro enterprises to meet obstacles in the credit financing business, which is unfavorable for the healthy development of small enterprises.L bank is one of branches of state-owned commercial banks, paying attention to service of local economic development for a long time, grasp the development of small and micro enterprise business. In recent years, Combined with expansion, customer survey, L bank strengthened the expansion of the industrial clusters, large-scale enterprise and downstream sales chain; selected high-quality production and distribution companies of good prospect, development potential and controllable risk; Pay special attention to the business marketing, developed new customers and promoted the development of the small micro enterprises.The main contents of this paper include:The first part is the introduction, including research background, significance of the research, as well as the present research situation and trend of this topic for the domestic and foreign experts.The second part is related with theory review, mainly through theoretical analysis for definition of small micro enterprises, profitability, contribution, credit, factors affecting credit business, bank credit demand, definition of bank credit demand, measure of the demand for credit, bank credit demand through theoretical analysis, the influencing factors and so on. Conduct analysis of the theoretical basis for the following.The third part is the analysis of the L bank personal finance product development status and effect. At present, China’s commercial banks Small and micro businesses credit business forms of distribution, credit business of L bank Small and micro businesses are described, and the status quo of credit business of L bank analysis. Analysis was performed on 2012,2013,2014 year separately on the L bank Small and micro businesses credit business, the credit business income analysis Small and micro businesses, know to take L bank for Small and micro businesses credit business risk control measures, the L bank Small and micro businesses approved credit business market degree analysis.The fourth part analyzes the existing in the development of personal financial products in the process of L bank problems, tracing the source causes the emergence of these problems. The presence of L bank Small and micro businesses credit problems including lack of objective management of Small and micro businesses of credit support and incentive mechanism, Small and micro businesses bank product development and design ability is insufficient, the original credit mode cannot meet the demand for loans Small and micro businesses, Small and micro businesses product of Bank risk control level is low, small bank product development enterprises cannot meet the demand for regional differences, Small and micro businesses bank credit availability is low. L bank Small and micro businesses the credit business, the cause of the problems including the current national economic situation is grim, secured financing has become the bottleneck to restrict the guarantee business, Guarantee Corporation to tighten, Small and micro businesses faces greater risks, the bank internal management, evaluation system chaos.The fifth part is the L bank to raise put forward countermeasures Small and micro businesses credit business development. Combined with the bank development and the local economy actually, put forward opinions and Countermeasures of the construction of innovation ability of bank credit business products. Strengthen against the Small and micro businesses of bank product innovation development ability; Strictly Small and micro businesses credit risk control, ensure the delivery quality; strengthen the assessment and incentive to Small and micro businesses financial business; adjust and improve the credit access policy, Small and micro businesses implement differential management, improve the service efficiency; strengthen Small and micro businesses business pricing management, standardize charges behavior; marketing strategy improvement Small and micro businesses banking products; to expand credit card financing role etc..The sixth part is conclusion and Prospect. This part gives a comprehensive summary of the whole research of this subject, on this basis, the construction direction and target for further development of credit business of L bank Small and micro businesses, and I hope this research can help the development of credit to commercial banks Small and micro businesses in a certain extent, so as to promote the comprehensive development of Small and micro businesses.