The Research Of "Credit Factory" Credit Business Applied In AB Bank Small And Medium-sized Enterprises

In 2008, after the U.S. subprime lending crisis,the financial industry in our country and the economy are influenced by the crisis. Small and medium-sized enterprises are affected by this crisis. Therefore,it's harm to the AB bank small and medium-sized enterprises credit business. Loan information asymmetry and credit business in AB bank problems threat the development of it. At the same time, AB bank imitates the foreign bank "Credit Factory"pattern in order to develop the small and medium-sized enterprises credit business and save them.By depicting AB branch bank credit business type, organization structure and the status of credit business, analyzing its macro-environment and micro-environment, finding out its has complicated procedure,bad services,long process and less information problems and other reasons. Based on the traits of "Credit Factory" pattern,analyzing AB branch bank constitution, module and organization structure, designing its process. After that, analyzing the implementation of "Credit Factory" pattern, mainly from four aspects: overall situation,risk management situation, business development and international small business. Finally, in the view of the existing schema in the process of application of existing problems put forward countermeasures and suggestions, mainly from the concept of consciousness, human resource management, marketing management.