A Research Report On The Small And Micro Credit Business Development Of G Rural Commercial Bank

Because of our country commercial bank service mode and productionof homogeneity, lead to small and medium-sized commercial Banks, especially the local commercial bank development bottlenecks. For a long time, the regional development of small and medium-sized commercial Banks is not only each small and medium-sized commercial Banks in the development are thinking of and faced with, but also the whole society and financial regulators have been exploring the subject.Combined with small and medium-sized commercial Banks own capital and constrained strength, relying on the regional economic development, the regional distribution of network advantages, the characteristics of the widely recognized by customers, explore the development of small credit business, has become the only way for the development of regional small and medium-sized commercial Banks. Taking Guangdong province as an example, small micro enterprise financing difficult problem still restricts the development of small micro enterprise credit availability rate is still low. Regional small and medium-sized commercial Banks how to carry out regional service in issuing loans, how to play its economic characteristics find combination point between Banks and small micro enterprise, is particularly important.In this paper, in view of the small and medium-sized commercial Banks credit business characteristics and product development direction, and small micro enterprises as the object of new fact relations as the goal, in the process of regional economic development of mutual way as the background. According to the current academic research results, for small and medium-sized commercial Banks to small micro credit's credit, risk, model and so on is rich, but based on the regional economic development, especially after the analysis of a bank, combining the characteristics of Guangdong regional economic development is less. Therefore, this paper takes Guangdong province as an example, found that small micro enterprise financing difficult problem still restricts the development of small micro enterprise credit availability is still the problem of low proportion. According to the field to understand the small micro G bank credit business development model, using the research methods of case analysis, in view of the small micro G bank credit business development situation, mainly from the business performance of the credit business and risk two angles are analyzed. Based on the analysis of related data and small micro G bank credit situation, found that regional small and medium-sized commercial Banks mainly exist credit mode single, credit costs caused by a lack of control technology limited, credit object needs to be combined with market to further expand. Through to the Guangdong province mainly small micro financial services policy and data, combined with the actual situation of small enterprises, pointed out that the development of regional small credit business of small and medium-sized commercial Banks need to strengthen the fact combination model of development, to guarantee the positive form of innovation, the development of new credit products, insight into the credit object, learning all kinds of credit technology, in order to achieve the virtuous development of the regional economic fact mutual.