Research On Small And Micro Bussinesses Loan Mode Innovation Of Zouping Rural Commercial Bank

All along, the development of small and micro businesses in China has been playing an important role in economic development. However, because the development is restricted for short of funds, the immediate resolution to the difficulties of small and micro businesses in raising finance is imperative. As the backbone of the domestic enterprises, small and micro business itself has been developing too rapidly, thus funding shortage often occurs. As a result,the funding shortfall has become a major factor restricting its development. The financial industry whose credit business has a positive and promoting influence on the healthy development of small and micro businesses is an important industry providing pillar and fundamental support for the development of other sectors. The innovation on small and micro businesses loan modes made by commercial banks is innovation of financing modes, which complies with the development trend of market economy and adapts to the national conditions of China.This paper studied the Shandong Zouping Rural Commercial Bank, hereinafter referred to as ZPRCB. To begin with, this paper reviewed the basic theory of commercial bank small and micro businesses credit mode briefly and took the present situation and the existing problems of small and micro businesses loan of this bank as a key point for analyzing,summarizing the defects of the bank’s small and micro businesses loan. Subsequently, the author summed up the experience of some mature commercial bank small and micro businesses credit modes with a purpose of remodeling and innovating the small and micro businesses loan modes of this bank, thus deriving some enlightenment that the bank can use for reference. Then, based on the previous theory analysis, this paper designed and optimized the management plan of ZPRCB’s small and micro businesses loan in term of principles,contents, and risk controlling. In the end, proceeding from ZPRCB, this paper proposed measures of promoting the innovation of ZPRCB’s small and micro businesses loan modes and proposed the best coping mode from several aspects, and eventually came up with a series of safeguard measures, which promoted the effective functioning of small and micro businesses loan modes’ innovation.Having raised some questions in commercial bank loan, this paper further analyzed thereasons and proposed solutions. This paper chose ZPRCB’s credit cooperative business with small and micro businesses as a practical case, formulating a reform proposal which can not only impulse the innovation of commercial banks but also meet the meet of small and micro businesses’ s financial demands for development.