Research On The Development Of Credit Business Of The Construction Bank Of China Branch In Jilin Province Small And Micro Businesses

The development of small enterprises, are of great significance to our countryeconomic development, industrial upgrading, social stability, the improvement ofpeople’s livelihood. After thirty years of rapid growth, China’s Small and microbusinesses have been showing a group of large-scale development trend. The largenumber of enterprises, the type is complex, the unbalanced regional distribution, haddecided our country Small and micro businesses credit support system has a hugespace for development, and have a brilliant future in the internal division of labor andspecialization and regional characteristics of business development. At the same time,financial institutions in the financial industry is also faced with change indevelopment strategy, change profit model, change the asset structure of externalpressure, need to satisfy differentiated market. Strengthen the support Small andmicro businesses’ credit is the route one must take to adapt to the adjustment of theeconomic structure.Small and micro businesses groups has become the fastest growing financialbusiness in emerging markets, the development of Small and micro businesses is thebusiness of commercial banks to adjust the structure of customers, dispersionconcentration risk, realize the effective means for the sound operation, has opened upa broad space for the development of commercial banks, commercial bank strategicfocus and become a new profit growth point.In recent years, the Construction Bank in the foundation to large constructionprojects, serve the country people’s livelihood projects, in accordance with the "steady development, control risk, increase efficiency, promoting transformation"requirements, adhere to promote small business transformation, businessdevelopment and achieved good results. Nearly three years of accumulated to540000Small and micro businesses loans of more than$2.5, the development of the strongsupport of the real economy. But we have a clear understanding to the face of theneeds of the market and regulatory requirements, we also face many pressures andchallenges.Improved Small and micro businesses in financial services, alleviate Small andmicro businesses financing is a system engineering. That need to Small and microbusinesses to strengthen their own accumulation, also need the relevant departments,industry improve the institutional mechanisms, more needs the national policy ofcorrect guidance and comprehensive support. Commercial banks in the marketeconomy, new forms of finance, to further the ideas of innovation, to meet theeffective demand Small and micro businesses, to respect the laws of the market,focusing on "improving financial services, improve the financing environment of"system innovation, process innovation, product innovation, improve, improve servicelevels, enhance the Small and micro businesses financing satisfaction rate, coverageand service satisfaction.This article summarizes the successful practice in recent years, analysis, JilinProvince branch of micro credit business development in the existing problems andshortcomings, through to the Jilin Province branch of the macro environment analysis,Small and micro businesses credit business promotion projects in the marketenvironment analysis, SWOT analysis, and strive to carry out in the future Small andmicro businesses credit business promotion strategy and implementation scheme, byadjusting and improving the customer strategy, marketing strategy and managementmechanism, and promote the sustainable development of China Construction Banksmall business credit business, promote the development of Jilin Province Construction Bank credit business transformation, customer structure adjustment,enhance the profit pattern, as Jilin Province economy healthy development, people’slivelihood, promoting employment contribution.