Small And Micro Enterprise Loan Business Research

This essay will talk about a series of problems of small and micro enterprises,such as autonomous possession and management,small scale,less markets share,lack of field advantages,non-standardized financial system and less amount of collaterals,which result in small and micro enterprises from the financing characteristics of financing difficulties and dearness that lead to the importance of small and micro enterprises bank credit business.Chinese government has repeatedly appeal to strengthen the credit support of small and micro enterprises,and central bank also continue to introduce new measures to promote credit operations,but so far,the support of Chinese financial sector to small and micro enterprises is still not enough,the gap of small and micro enterprises loans is still big,there is an urgent need to strengthen the bank's support for this current situation,as well as the development history of small and micro enterprises in the domestic and the external,analysis its existing problems and risks,including information asymmetry,credit deficiency,self-operating defects,incomplete financial institution system construction,absence of non-monetary financial intermediaries etc.,risks include adverse selection risk,market risk,decision-making risk,institutional risk and default risk.Based on the above problems and risks,this essay puts forward some means and measures to prevent small and micro enterprises bank loans,including establish effective mutual guarantee mechanism,establish and improve the cash flow analysis system,set up new channels of communications between banks and enterprises,establish risk warning mechanism,set up effective control mechanism and performance evaluation mechanism,establish innovative financial management approach to strengthen the construction of enterprise credit concept,and combined with the specific case of Fuxin Bank small and micro business department to sum up the influence of small micro enterprise loans on micro enterprises and bank credit operations.Small and micro.enterprise loans solve a large number of financing issues of small and real economic customers.The credit characteristics of active marketing,home service,no mortgages,no fees and flexible guarantee in small and micro enterprise loans,greatly reduce the threshold of band credit that make customers who have practical financing needs to get the funds,and establish an advanced credit culture.Community-based financial services,support small customers and the development of the real economy is the market positioning of city commercial banks,relying on technological means to innovate customer service is the long-term power of city commercial banks.Practical marketing,solid analysis,real monitoring,relying on micro credit analysis technology,and comply with the micro credit operation process.A good credit culture is also an effective guarantee to reduce the risk.