Research On Small And Micro Credit-loan Management Of ESPS Financial Holding

With the deepening of financial reform,non bank financial institutions have been a huge development space,and gradually become an important supplement to commercial banks,has become the country's financial sector plays an important role.Eighteen,Premier Li Keqiang vigorously encourage the development of private capital operation,to carry out Inclusive Finance,to encourage the establishment of private non bank financial institutions,the introduction of private capital to promote the operation of small and micro enterprises.Non bank financial institutions,China's profit is the most important business loan business,due to China's current financing system is single,obtained from the financial institutions loan financing has almost become the majority of enterprises only large debt funding sources,largely determine the survival of enterprises,but also a powerful starting point Chinese economic development impetus and economic regulation.However,the small and micro enterprises loans difficult,financing your problem is very prominent,however,your problem is very prominent,how to break through the small micro enterprise financing bottleneck is always an important hot topic of benign social and economic development.This article embarks from the macroscopic microscopic two angles,applies the relevant theories of economics and finance ESPS Financial Holding control for small micro enterprise credit-loan policy and studies in detail the current situation and future trend of development of detailed analysis and by using SWOT ESPS Financial Holding and credit-loan products of ESPS Financial Holding like "Zhuoye loan" for small micro enterprise credit-loan support policy and innovation of financial products advantages and disadvantages,put forward suitable for ESPS's support for small micro enterprise financing of eight effective strategy.Article through research think ESPS an "excellent borrowed" products from the early stages of design and insistence on small micro enterprise in the service objective,so in the small micro enterprise credit-loan market competition advantage.But at the same time,the study also found that "Zhuoye loan" is not specially designed for small micro enterprise credit-loan products,therefore,there is a poor old pattern,convenience,a series of problems.Through the SWOT analysis,the article also puts forward the corresponding development strategies as well as reference in all aspects of the domestic and international experience through innovation and improvement of new business model.