Research On The Problems Of HS Bank’s Micro Credit Management

In recent years,with the rising of network economy in our country,the real economy,the living space of further compressed;State has repeatedly proposed for financial institutions to prime loans to the real economy,so as to promote the development of the real economy.It provides an opportunity to the birth of our micro lending business,in the current economic environment,large and medium-sized enterprises can obtain stable basic loan,but often associated with problem is excess capacity,such as steel trade industry,the real estate industry and large-scale production and processing enterprises,the micro and small enterprises is often because they can’t get a bank loan to support and sustain,these small micro enterprises tend to be those related to ordinary life real life kind of industry,is a indispensable part in our lives,so the micro credit business service object is precisely this part of the small business owners,according to people’s livelihood,serve the public,the business floor,truly from scratch to support the development of the real economy,Based on micro credit department since the birth of Huishang bank business development model as the research object,mainly explores the current business operation mode of micro Huishang bank loan business,its purpose is for micro loans existing business operation mode of in-depth analysis,find out the advantages and disadvantages,analysis,and find out to let the business operating modes produce greater efficiency of the method,can make its growing in the future development and growth,to truly become a indispensable important Huishang bank business.Studies in this paper is divided into five chapters:the first chapter is introduction,mainly introduced the research background and research significance of this study,in the small micro finance representative research literature at home and abroad gave a summary and comb,expounds the corresponding research methods and ideas,and to study the characteristic and innovation are reviewed.The second chapter for micro lending business overview of related concepts,mainly introduced the meaning of micro lending business,business development and characteristics of the object and the Anhui merchants bank credit business market positioning.The third chapter is mainly to introduce the micro Huishang bank credit business management mode and operation mode,the operation mode of the status quo,and analyzes the problem of the existing mode,with a focus on the operation mode,and the methods and Suggestions to solve the problem.The fifth chapter is conclusion and prospect.Obtained through the study of this article in the current economic situation in the province,Anhui merchants bank micro credit department should actively changing management idea,we will accelerate the application of network technology and the practice,take the customer as the center to implement service innovation,pay attention to the construction of virtual channel,accelerate the pace of financial innovation.In this paper,the research results will provide a micro Huishang bank credit business in all other small micro enterprise financial business,under the impact and challenge of find a way best suited to small business owners loans,better serve the masses of the people’s livelihood,in the competition with peers,to improve their own countermeasures to improve the business efficiency and influence of realistic!...