Strategic Analysis Of A Commercial Bank To Promote The Development Of Small And Micro Enterprises

In recent years, the central and local levels of government to vigorously support the development of small and micro enterprises have made remarkable achievements. Although small and micro enterprises operating smaller, but numerous, permeates all aspects of the national economy. Aspects of small and micro enterprises to create jobs and maintain social stability, increase revenue, improve people’s livelihood, promote economic development plays a crucial role. Thus the CPC Central Committee, the State Council in the " Twelfth Five-Year Plan" vigorously support the development of small and micro enterprises as an important task, as the promotion of social and economic transformation and achieve healthy and sustainable economic development an important part of all levels of government on small and micro attach great importance to the development of enterprises. Banking as an important pillar of the national economy, should take effective measures to actively and steadily with all levels of government to accomplish this daunting task.Rapid growth of China’s economy bring more development opportunities for small and micro enterprises, it is undeniable that the current development of China’s small and micro enterprises still seems difficult, the development bottleneck gradually. For small and micro enterprises, their greatest need, but also the greatest difficulty is the financing needs. However, small and micro enterprise credit business banking business but it has not become the focus. Many banks for risk prevention and maintenance of existing large customers from the perspective of the business relationship, have reduced the amount of small micro-enterprise loans, or even stop lending. Therefore countermeasures to carry out commercial banks to support small and micro enterprise development for the construction of small and micro enterprises financing service system has important significance. Taking A bank, for example, from the perspective of commercial banks to the study of small and micro enterprises financial support measures, namely financing measures to help finance the construction of small and micro enterprise system.Papers divided into five parts. The first part of the research background and significance of this paper. Pointed to carry out countermeasures commercial banks to support small and micro enterprise development for the construction of small and micro enterprises financing service system has important significance. The second part is the small micro-enterprise financing system analysis. Financing system for small and micro enterprises with a brief introduction to the current situation of small and micro enterprises financing analyzed. The third part of the analysis, the status quo Bank A small micro-enterprise financial business development. In this chapter, for Bank A and Bank A small micro-enterprise financial business development situation were introduced. A Bank-supported analysis of small and micro enterprise development issues. In an economic slowdown, unfavorable factors macro tightening of monetary policy, small and micro enterprises themselves poor credit, business instability, repayment delinquency rate, lack of collateral, poor credit, the financial system is not perfect; commercial banks themselves there is a problem:no basis for the design characteristics of small and micro enterprises rating criteria, rating criteria and share a medium-sized enterprises. Single risk prevention measures, restricting the development of small and micro enterprises financing business. Part IV, A bank promoting small and micro enterprise development strategies and recommendations. City Small Business To change ideas, innovative credit management system, the new credit technology, innovative product design, providing proprietary financial services, strengthening small and micro enterprise credit risk management, to better support the financing of small and micro enterprises. In addition, the Bank implemented the A micro-enterprise development strategy for the promotion of small effects were analyzed. A bank introduced specifically for small and micro enterprises in the credit process, the implementation of standardized, process management. Through the establishment of regular visits to research system, communication platform for banks to better support small and micro enterprises to provide a reliable reference. To meet the situation of small and micro enterprises, reasonable and efficient credit, A former bank breaking the traditional model to focus only on the review report, the introduction of qualitative analysis, the main business operators experience, professional skills, personal degree of credibility, the potential for development of the industry and the financial statements quantitative evaluation of the same into the scope of the review, profitability, growth potential and comprehensive analysis of the degree of risk enterprise. A bank for small and micro enterprises also features redesigned approval mechanism to simplify the loan approval procedures to help small and micro enterprises to quickly get a loan for less than3million small business financing approval, in no more than three working days to complete. In addition, it also provides small and micro enterprises based on micro and small business owners features exclusive financial services for the majority of small and micro-enterprises, individual businesses and private loans easy to build a low-cost, one-stop service, electronic channels comprehensive and convenient financial services platform. Loans taken to shorten time and simplify the loan process, loans, apply for one card repayments, interest paid by the day, saving the cost of financing small and micro enterprises, one-stop service. Under the support of the bank’s A, L City of small and micro enterprise business grew and grew, A bank itself also continue to grow, to achieve a win-win situation. The fifth part, the paper’s summary. In this chapter, a summary of the paper, and pointed out the lack of prospects and research papers.