Research On The Current Situation,problems And Countermeasures Of Small And Micro Enterprises Credit Business In Bank Of LY

In recent years, China’s Small and micro businesses financial policy support services has become increasingly prominent. The local commercial bank as a commercial banking system in the most dynamic financial products from the enterprise, financial support, innovation, credit review process and other aspects of the optimization of Small and micro businesses credit business, product service mode of.LY city commercial bank small micro exploration enterprise credit to "reform, development, innovation" as the guiding ideology, to serve the local economy, services for small and medium-sized enterprises, city residents for the service market positioning, adhere to prudent, sound business principles, adhere to the community, differentiation, characteristics of development, is committed to the quality of community banks and Small and micro businesses preferred the bank, with Small and micro businesses as the service object, attention to the livelihood of the people, highlighting the characteristics development, vigorously develop Small and micro businesses credit business, and actively involved in social development, local economic construction with the bank. Sustainable development and sound operation of the strategy pattern formation, has now developed into a truly regional banks, the retail bank, Citizens Bank, the overall operating level among all provincial capital firm forefront.This article from the local commercial banks, the basic concept of Small and micro businesses credit business and related theories of the use of management, money and banking, economics and other disciplines of basic theory and method, based on the analysis of status of LY bank, LY bank small micro credit business, points out the existing LY bank small micro credit products of a single, small micro credit the business of small scale, low yield and more serious homogenization problems, and analyzes the causes of these problems is that the LY bank itself positioning is not accurate, the lack of guarantee agencies, according to the service concept of Small and micro businesses fell after the contradiction of system and technology and backward, customer based low management level. On the reference of domestic and foreign commercial banks to Small and micro businesses loans experience, service from customer relationship management model, differentiated marketing, customer market segmentation, strengthening the human resources team building and put forward to promote Into the LY bank small and micro credit business advice.