Research Report On Small Loan Business Of G Bank Nanningn Branch

With the development of our economy, small and medium-sized enterprises plays a more and more important role in promoting national economic development, the rich market economic vitality, absorb the large number of urban and rural employment. But relatively, because of its small size, not sounded financial system,the small and medium-sized enterprise has been difficult to obtain with its economic contribution to the financial support, the financing gap of small and medium-sized enterprises seriously affects its development. As the Banks’side, because of the increasingly fierce competition, many banks began to shift their attention to the market of small and medium-sized enterprises and even small loan business with enormous potential.Nanning branch of G Bank creatively applicate the theory of supply chain finance into small loan business, to carry out the cluster marketing operations, innovatively solute small micro enterprise loan difficult. Based on G Bank’s small loan business of Nanning branch as the research object, through field practice, interview, questionnaire survey, and in combination with related literature, this paper analysis the advantages and disadvantages of the small loan business of Nanning branch of G Bank. And according to the specific problems of its small loan business is analyzed, the following improvement measures are put forward.First, expanding the scope of the small loan business, to provide more credit products; Second, standardizing risk control measures, to establish "credit factory" business model; Three is to strengthen the construction of customer manager team, systematic training; Four is to deepen market development level, to establish specialized branches. Hope these improvement measures and development opinions can benefit the follow-up study little, and benefit Nanning branch of G Bank’s future development too.