Research On Small And Micro Businesses Credit Operation Process Optimization Of China Guangfa Bank Harbin Branch

Development of small and micro businesses mainly by financing constraints.Countries have a lot to promote the development of small and micro enterprises laws and regulations, to see the country’s emphasis on small and micro enterprises. For banks, the state actively encouraged to make active banks to increase credit to its investment; for the countries themselves, the state actively collect funds to help enterprises solve difficult problems, mainly to do a series of provisions in order to better promote the development of enterprises. For commercial banks, which are mainly to avoid conflict with the National Bank of the existence of competition, while actively respond to national requirements, including macro-economic and financial policies and regulatory requirements of the economy. Learn from each other in this international has done better, so we can learn from international experience combined with their own actual situation, and innovate in a new form to enter the market, the better to promote the adjustment and optimization of credit structure.Based on this, this paper starts from the current situation of the development of the Harbin branch of Guangdong Development Bank found the existing main problems, summed up the characteristics of the present stage; then from the external and internal angles, the problem of the Harbin branch of Guangdong Development Bank in the development of micro credit business are in order to analyse, summarize the reasons and results of problems; Guangdong Development Bank as a domestic development of small micro enterprise credit business pioneer, in small and micro credit business development made remarkable achievements. Harbin branch of Guangdong Development Bank is mainly studied in this thesis to solve the commercial banks in the development of small micro enterprise credit business encountered problems, how to provide better small micro financial services to extract Harbin branch of Guangdong Development Bank, the successful strategy of the smalland micro enterprise credit business development. The implementation of customer comprehensive development mode, an effective risk control implementation of poor dissimilation to compete in five aspects put forward the corresponding policy recommendations, and promote the innovation of small and micro enterprise credit business, for China is exploring credit business of financial institutions to provide certain reference, according to the specific problems in Harbin branch of Guangdong Development Bank microcredit business, with reference to the successful experience of other banks at home and abroad, and according to the problems and causes, Harbin branch of Guangdong Development Bank small micro enterprise credit business process optimization, put forward countermeasures and suggestions. At present, the commercial banks will gradually focus on the transfer of credit to small and micro enterprises, the development of small and micro enterprises financial services for the business development of a blue ocean. However, the small and micro enterprises themselves to operate a larger risk, commercial banks to carry out small and micro lettersThe risk of loan business is much larger than for large and medium enterprises.At the same time, China’s commercial banks to carry out small and micro credit business is also facing the problem of comprehensive account customers, bad loan ratio, high cost, no matching, fierce market competition and so on. As small and micro enterprise financing main channel, the government to develop the executor of small and micro policies: commercial banks, how to effectively solve the small micro enterprise financing difficulties, promote small micro enterprise to be fast, the health development is an important research topic.