Analysis On The Small And Micro Bussinesses’ Batch-loans-modes Of The Large State-owned Commercial Banks

Combine the actual conditions of our country, small and micro businesses have accounted for 94.15% of all registered enterprises, and provided new employment and reemployment opportunities more than 70%. The contribution to GDP has more than 60%. Among the total of national tax, small and micro businesses’ tax payable is over 50%. At the same time, small and micro businesses have accounted for 80% in new products development, and 65% in invention patent. Small and micro businesses have promoted the draining of enlarge employment, stable economic growth and promoted creativity, and it have occupied an important position in national economy, but the difficult financing problem has deeply limited the development of small and micro businesses.While small and micro businesses’ development, characteristics and the domestic financial, have decided that commercial bank loan was still the main financing channel. Due to reasons such as improve the ability of fund management, “financial disintermediation ”, exacerbate horizontal competition, speed up interest rate, and liberalization process, the contribution of large-scale enterprises is going down gradually for commercial bank. In comparison, small and micro businesses have advantages in high integrated contribution, leading a greater role to products, and a large development space. Further more, it’s necessary to commercial bank to provide more services for small and micro businesses, because of regulators requirements and social responsibility. But, commercial banks have some difficulties, such as high cost on single operation, information asymmetry, and insufficient guarantee. Nevertheless, batch-loans-mode is the better way to solve these difficulties.Then, this thesis analyzes the advantages, the problems and the solutions of the several traditional batch-loans-modes of CCB. Finally, combining with the advantages of CCB, such as the more customers, more bank counters, better cooperation with the most important customers, more information, and the better capability of information processing, this thesis analyzes two batch-loans-modes of CCB. The one is based on BIG DATA, and the other is based on CORE CUSTOMERS. These batch-modes not only can solve the three major difficulties in developing small and micro business, but also can use the resources of customers more effectively, realize the counters’ potential deeper, bring a better experience to the customers, and make the businesses in the industrial chain more closely. Simultaneously, combining the practical operations, it puts forward some problems and improvement in the batch-modes, and hope to be able to play a reference role to the large state-owned commercial banks as CCB in the future business development of small and micro businesses.