Study On Credit Service Mode Of Small And Micro Enterprises Based On Practice Of Bank Of Luoyang

During the "Twelfth Five Year Plan" period, with the development of nationaleconomy into a low growth, the pace of structural transformation accelerates.As themost active economic China group, as well as the most vulnerable group, small andmicro enterprises are facing small scale of operation, low risk tolerance，lack ofcollateral, narrow financing channel. It has far-reaching strategic significance tosupport the sound and rapid development of small and micro enterprises, forovercoming the financial crisis and the real estate control, and for maintaining soundand rapid economic development and the promotion of economic structuretransformation.From the China Banking Regulatory Commission proposing to supportthe "six mechanisms"in2008, to the central economic work conference launching the"country of nine" to support small and micro enterprises, the national support for smalland micro enterprises in policy efforts strengthens.It has become the the key services inthe areas for small and medium sized commercial banks to solve the problem with hardsecurity and financing difficulty. At the same time, this piece of “blue ocean”—smalland micro enterprises， are attracting more and more commercial banks to explore andadvance.Adhere to the market positioning to service small and micro enterprises,trying hard to do specialty，particularity，and fine, forming unique competitiveadvantage, have become the important opportunity for transformation and a real brightspot for city commercial banks.Based on the literature research, this paper firstly analyzes the small micro creditservices from the theory level, including the concept, basic theory analysis for credittechnology, the credit service mode of the small and micro enterprises in main countries of the world and in domestic banks; secondly analyses the current situationof credit services for small and micro enterprises in Luoyang City, including thegeneral situation for small and micro enterprises, the demand situation for creditservices and problems with small and micro enterprises credit services in Luoyang City;finally, based on the practice of the Bank of Luoyang, this paper researches the creditservice model of small and micro enterprises, including the service mode, problemsand difficulties, recommendations for improvement to support the small and microenterprises in Bank of Luoyang.Taking the small micro credit as the research perspective，based on the IPC microcredit technology theory, taking financial information and soft information as the mainpoints, by means of cross check, paying attention to repayment capacity and inclination,through the "credit factory" mode and batch credit, this paper trys to creat anefficient,flexible and convenient small micro credit service model so as to providereference for city commercial banks to do small and micro businesses credit service.