The Business Of Commercial Bank Research On The Small Macro Business Loan Business

With the economic downturn in the past two years,the domestic economy is also in the downstream stage,the domestic small micro-business business has been a great impact,to this end,the central bank targeted to take a lot of measures.For example,reduce the small micro-enterprise loan charges,decentralize part of the pricing price to the bank and reduce the orientation reserve ratio for the small micro-enterprise.At the same time,with the transformation of the domestic economy,the profits of the traditional profit zone of the domestic commercial banking industry have fallen sharply.The major banks are also in urgent need of new profit growth point,and small micro-enterprise lending business in the traditional profits of the bank which accounted for a small proportion of commercial banks so it is the blue ocean.With the arrival of large Internet data age,commercial banks need large data to provide targeted services,and massive micro-enterprises is to master the existence of large data resources,therefore,commercial banks to its service is a win-win situation.In this context,I do the micro-enterprises loans research from the commercial banks.This paper mainly studies how the commercial banks can expand the loan scale for small and micro enterprises under the current economic form,and reduce the loan risk.Firstly,it introduces the theoretical basis and the latest development of the small micro enterprises in the banking industry,and then analyzes the current situation and existing problems of the domestic commercial financing.The main problems are as follows:from the perspective of commercial banks,especially from the perspective of commercial banks.On this basis,taking China Construction Bank and Zhejiang Tyrone Commercial Bank as examples,respectively,as a large state-owned commercial banks and private commercial banks on behalf of the application of the previous small micro-enterprise loan theory,the analysis of the two banks small business credit The current situation of the business,the problems and the causes of the problems.Then,China Construction Bank and Zhejiang Tyrone commercial banks,for example,were used as representative of large state-owned commercial banks and private commercial banks,using the former theories,to analyzes the status quo of the two banks of small micro-enterprise credit business,problems and issues causes.On this basis,I offer my recommendations and development strategies to the commercial bank small micro business loan on business process optimization,service innovation,product innovation and comprehensive risk control.It is hoped that the research of this thesis will have a good reference for other commercial banks.