Research On The Credit Business Development Strategy Small And Micro Businesses Of Qingtongxia Rural Credit Union

The decision of the Third Plenary Session of the Eighth Central Committee of the Party pointed out that it would "stimulate the innovation vitality of small and medium-sized enterprises","improve the financing conditions for small and medium-sized enterprises of science and technology" and "support the development of various small and micro cultural enterprises".Small business,is an important driving force for China’s economic growth,nearly three years of data show that China’s contribution to GDP are more than 60%,has become a powerful booster to promote the development and construction of the national economy.It plays an important role in the prosperity of the market,the promotion of technological innovation and the provision of employment opportunities.However,financing difficulty and loan difficulty are the major factor restricting the development of small and micro companies.In recent years,from the government to the bank on how to solve this problem carried out a series of exploration and research,but has not fundamentally solve this contradictory problem.On the other hand,the bank to solve the problem of small micro-enterprise financing can promote the development of banks for the survival and development of banks to bring vitality and greater market.Qingtongxia Rural Credit Cooperative Association,referred to as:Qingtongxia Associations,has considerable influence in the rural small and medium-sized financial institutions in the Qingtongxia City,small micro-enterprise financial services is relatively backward。This paper focuses on the development of the small and medium-sized enterprise credit business of the Qingtongxia Gorge Associated Press,and analyzes the various aspects of the competition that the Qingtongxia Union is currently facing.It supports the continuous development of the micro-enterprise credit business Importance and seize the urgency of the market.Secondly,the advantages,disadvantages,opportunities and threats of the small and medium-sized enterprises are studied by the use of SWOT.The development strategy of small and medium-sized enterprise credit business development strategy,such as product strategy and risk strategy and so on,and finally to protect the small micro-enterprise credit business development strategy of effective implementation,from the institutional set,business philosophy,performance appraisal System,process construction,personnel team construction and other aspects of the Qingtongxia Gorge Union small micro enterprise credit business development put forward constructive comments and suggestions.