A Study On The Development Strategy Of Small Micro Credit In XX Bank Nanning Branch

Got rapid development in recent years, China’s economy, small micro enterprises also have sprung up to grow stronger, and become a powerful force that stimulates economic growth in China. But due to the small micro enterprise internal and external causes, it also met with some difficulties in financing process. The state implemented a series of policy measures to help small micro enterprise financing difficult dilemma. At the same time, commercial Banks are the adjustment strategy, more and more commercial Banks to shift the focus of its loans to small enterprises, small micro enterprise loan business competition. Under this background, the XX bank pioneered small micro enterprise loan business at home, this strategy not only expanded its profit space, also for the development of small micro enterprise loan business has injected new vitality.This article is divided into five parts, the first part is the introduction. The second part introduced the XX bank nanning branch of the development of small micro enterprise loan business, the current development of small micro enterprise loan business implementation measures, analysis its problems existing in the development of small micro enterprise loan business, which mainly includes the following questions:product design and customer requirements do not match, the slow progress of product innovation, unreasonable pricing model, publicity and marketing channels, the current performance appraisal system and development of small micro enterprise loan strategic goals do not match, the credit evaluation system is imperfect, the lack of a system of risk control measures. The third part in view of the XX bank nanning branch developing small micro enterprise loan business environment faced by the SWOT analysis. The fourth part pointed out that the development of XX bank nanning branch of small micro enterprise loan business strategy. The fifth part from the organizational structure and incentive mechanism, credit evaluation system, three aspects of risk control development strategy implementation safeguard measures are put forward. Hope that this article research results to XX bank nanning branch developing small micro enterprise loan business to provide certain guidance function, and for other commercial Banks developing small micro enterprise loan business.