Research On The Innovation Of Credit Model Of Small And Micro Enterprises In Yulin Branch Of Agricultural Bank Of China

Small and micro businesses are a new force to promote China's economic and social development, plays an important role in absorbing employment, active market etc.. Bring greater financial impact of the Internet era to the traditional credit model of commercial bank Small and micro businesses, the Internet technology has been applied to bank credit management, innovation of the P2P (network, peer-to-peer lending) guaranteed loans, supply chain financing and other new products, new services, and provides a new way for Small and micro businesses loans, to a certain extent to solve the difficulties faced Small and micro businesses, guarantee financing channels for a single traditional problem. But this process also gives commercial banks the traditional small and micro enterprises credit model has brought a huge impact. Commercial banks want to be in the future Small and micro businesses in the market occupies a space for one person, must follow the "Internet plus" development trend of Small and micro businesses of the traditional credit model for improvement and innovation, to build a network of credit mode has its own characteristics. Based on the study of Small and micro businesses credit model and Internet financial theory on the basis of in-depth analysis, summarizes the current situation of credit model of Agricultural Bank of China Yulin branch Small and micro businesses and the existing problems and reasons, and draw lessons from domestic and international retail lending model, credit factory model and network credit model and other advanced experience, put forward specific measures of Agricultural Bank of China Yulin branch of small and micro the enterprise network credit model from five aspects of organization structure, products and services, customer marketing and development, guarantee, credit approval process etc..