An Research On Small Micro-enterprise Loan Business Of Ping An Bank Haikou Branch

Small and micro enterprises is an important part of our national economy and social development, to promote China’s economic development has become an important force. To solve the small micro-enterprises operating difficulties, difficulties in financing and other issues, the State Council and relevant ministries issued a series of policies to support small and micro enterprises initiatives, these measures on the development of small and micro enterprises commercial bank lending is undoubtedly a big plus. As the market interest rates to accelerate the process, as well as commercial banks will be subject to the impact of capital mobility, will focus on profitability and good choice of target customers, while small and micro business loans higher consolidated income, which has now become the first to seize market banks. However, commercial banks take extensive development model for small and micro business market, access to high margin income through loans. As market competition intensifies, small and micro business lending meticulous management style more and more attention.Based on the current development branch of Ping An Bank Haikou small and micro business lending, and analysis using a SWOT empirical analysis, analysis of its existence in the management of small and micro lending business issues and market competition faced by small and micro enterprises studied theory of loans, as well as domestic and foreign commercial banks in the advanced experience and patterns, trying to create new channels to optimize innovative way of security, the implementation of a floating rate system, monitoring settlement fund, established bank and exchange platform, with live government support policies and other measures, Ping An Bank Haikou Branch optimize existing management models to help them gain a competitive advantage in the field of small and micro enterprise loans, and loans to small and micro enterprises controlled risk. On the other hand, also help small and micro enterprises to reduce loan interest costs and hidden costs, as well as convenient access to loan financing. Small and micro enterprises, and strengthen the links between commercial banks and to promote cooperation between banks and enterprises, banks play a role in helping the growth of small and micro enterprises in the process.This paper will analyze the existing management of Ping An Bank lending operations of small and micro enterprises problem, proposed a series of measures and proposals to resolve, efforts to promote the development of Ping An Bank Haikou Branch small micro-enterprise loan business, exploring the sale of small quantities of highly efficient micro-enterprise lending model Research reliable small micro-enterprise loans to risk control model to maximize the small micro-enterprise loans to address the high difficulty and cost.