Y Bank A Branch Small Enterprise Credit Business Analysis

As contribution of SME to the national economy is increasing, the development of SMEs is widely concerned. Providing SME with sustainable and high-quality financial services and solving the long-term financing difficulties of small enterprises is especially essential.Many Theoretical studies show that city commercial banks have natural comparative advantage in service of SME. city commercial banks will play an important role in solving the financing difficulties of small enterprises. With domestic commercial banks vigorously promoting small enterprise credit business, segmenting the market setting thesmall enterprises and finding their own problems which can help them to improve small enterprises credit business strategy is next. It will contribute to the rapid growth of the commercial banks and the development of their own business, which will also help them get great competitive advantage. Small businesses and the local economy will also benefit at the same time.Y bank is a city commercial bank, which has been committed to the development of SME finance and achieved certain results.In order to perfect strategy of Y bank small enterprises credit business, paper selects representative branch A and study development of its small business credit. Firstly, paper defines the concepts and features of small enterprise credit business and explains the difficulties of urban commercial banks in developing small business credit business. Secondly, paper introduces the development situation of small enterprise credit business, which includes the specific information about the distribution of industry, the structure of term, the security structure,risk management, pricing model andincome structure of A branch. Then, paper studies specific risk cases of branch A and summarizes its small business credit risk. Further, paperanalyzes the problems of small enterprise credit business in A branch and causes. Finally, by combining theory with practice, paper puts forward suggestions for specific risk points and problems of A branch current credit business. Paper concludes that A branch can strengthen small enterprises credit business risk management by strengthening collateral risk prevention, improving customer manager system, optimizing small business credit rating system, adopting diversified credit industrylayout, establishing a risk warning mechanism, taking attention of small enterprise private lending financing behavior. In addition, A branch should enhance its quality of small enterprise credit business by adopting clear small enterprise strategic objective,strengthening building of the credit team, developing professional product,strengthening risk management, improving the pricing mechanism, enhancing overall financial services and boosting development of small enterprises.