Service Improvement Of Small And Micro Enterprises' Financing In HL Commercial Bank

According to the CBRC, two “no less than” are required for banks on small and micro enterprises' credit availability, that is, the rate growth of credit availability is no less than that of all loans and the increment is no less than that of the previous year. In the trend of traditional large and medium enterprises' economic downturn, commercial banks should change their business strategy of making profits from large enterprises' interest spreads of deposit and loan; instead, they should turn attention to financial service of small and micro enterprises. Therefore, it is imperative for commercial banks to develop financing service of small and micro enterprises. However, there exist many problems in small and micro enterprises, such as nonstandard financial statements, lack of collateral and guarantee types and difficult collections of enterprise information. It is difficult for banks to carry out risk control on them and the operating cost is high, as a result of which small and micro enterprises' financing remains a hard nut to crack for the banking industry. As a small and medium bank, HL Commercial Bank needs to improve local financing service for small and micro enterprises, dealing with the new situation and carrying out new measures.The paper takes the HL Commercial Bank as the research object and analyzes the status quo of local small and micro enterprises' financing through survey and interview. Based on comparative analysis, the paper dives deep into the status quo of the bank's financing service for small and micro enterprises, thus concluding the existing problems of its financing service in marketing concept, product design, credit rating, credit approval and post-loan supervision. Besides, combined with related theories and experience from domestic and abroad commercial banks, improvement opinions and suggestions are put forward for HL Commercial Bank's financing service scheme. Through changing the internal incentive mechanism of the commercial bank, personnel's initiative of financing service for small and micro enterprises can be improved. Centered on large and medium-sized state enterprises, we can carry out group sales to their upstream and downstream enterprises, targeting at customers and improving the efficiency of marketing. Combined with the characteristics of local small and micro enterprises, we can design financing products to increase the loan procurement rate. We can also design independent credit index for small and micro enterprises, improving credit loan financing service. Meanwhile, credit and loan approval can be integrated to delegate loan authority and improve the examination efficiency. The default risk of small and micro enterprises can be reduced by the first, regular and key inspections. All of these measures intend to offer beneficial reference for HL Commercial Bank's financing service for small and micro enterprises, helping it seize the opportunity of financing service for small and micro enterprises and better serve local small and micro enterprises.