Research On The Development Of Small Businesses Credit Businesses Of Bank C H Branch

In recent years, China’s small businesses continue to grow stronger. Small businesses have become an important part of the market economy and an important force in promoting the development of social productivity. But it is difficult for small businesses to achieve sustainable development not only because of the complicated economic situation, but also because that many small businesses are still severely restricted by high financing difficulty, large cost, fewer channels and many other conditions. Meanwhile, with the intense competition in the commercial bank industry, banks are no longer the only financing channel for the enterprises, so that commercial banks gradually begin to pay attention to small businesses credit businesses.This paper bases on the development situation of the small businesses credit businesses in H province, takes small businesses credit businesses of Bank C H Branch as the study object. It not only makes study of the development situation of small businesses credit of Bank C H Branch, but also pays attention to the external development environment of Bank C H Branch. At the same time, this article summarizes the development situation of small businesses credit businesses of Bank C H Branch, further introduces the small businesses credit products of C Bank. This paper analyzes the problems existing in the development of small businesses credit businesses process of Bank C from 4 aspects, which is product policy, regional resource allocation, risk control and business process. To speed up the development of small businesses credit businesses in H province, in view of the existing problems, different aspects of suggestions are put forward, including changing product policy, the innovation of financial products, balancing regional resources, strengthening credit risk management and simplifying business processes.