The Research On The Small And Micro Enterprise Loan Business Of B City Commercial Bank In Hainan Province

In recent years, small and micro enterprises in the national economy play increasingly important role, also attract great attentions from government. Especially since 2014, the economic experiences downward pressure, Prime Minister Li Keqiang encourages national citizen to start up business, especially founding small and micro enterprises, and encourages financial institutions to support small and micro enterprises, also open the financial market to the private capital, in order to support the small and micro enterprises to get more finance support. Even though the difficulty of financing issue of small and micro enterprises gets better, but still need to get more attentions.With the interest rate market-oriented, the finance market opened by the government of Hainan province, China Merchants Bank, Shanghai Pudong Development Bank, China Citic Bank, China Minsheng Bank, Huaxia Bank, were continuously entering to the finance market in Hainan province, which causes the competition in the banking industry more and more intense. For the long term sustainable development strategy, Hainan B City Commercial Bank develops small and mirco enterprises loan business as the new profit growth point. However, due to asymmetry of information, bank loaning to the small and micro enterprises exists a variety of risks, which is the main issue that Hainan B City Commercial Bank urgently solves currently.In the paper, considering the current development, problems of loan business in Hainan B City Commercial Bank, it analyzes development experience and loan model of the small and micro enterprise loan business nationally and abroad, especially the renovation of loan investigation skill and management of the small and micro enterprise loan business from IPC organization in German, supporting with the valuable practical cases and relevant data. It helps Hainan B City Commercial bank to explore effective new model, new idea, new method to solve the difficulty of financing issue for the small and micro enterprises, and high risk of bank loaning, due to the asymmetry of information, in order to speed up the development of small and micro enterprises and banking industry, release the pressure of economic downward, promote the sustainable development of economy in our country.