Strategy Of Expansion Of Lanzhou Rural Commercial Bank Credit Loan Businesses Of Small And Micro Businesses

Small and micro businesses has become an important market including several large state-owned banks,the banks in the competition,the market for quality Small and micro businesses customer competition intensifies,bank mining capacity and the level of potential customers should be further improved.As local financial institutions,Lanzhou rural commercial bank needs to establish the regional small and micro enterprise development to adapt the financial service mode.In this paper,based on the Lanzhou economic and policy guidance,analysis of current situation and problems of Lanzhou rural commercial bank itself Small and micro businesses credit business development,put forward some feasible countermeasures and suggestions,promote Lanzhou rural commercial bank small micro finance development,competitiveness and influence to improve service brand,to provide strong financial support for the Lanzhou region financial enterprises,finally has an important reference to support Small and micro businesses to the development of the financial industry in Lanzhou.This paper mainly from the macro and micro two aspects,analyzes the main influence factors of Lanzhou rural commercial bank Small and micro businesses credit business expansion,including the two aspects of enterprise and bank.It Small and micro businesses own factors,Lanzhou rural commercial bank Small and micro businesses credit product innovation and the lack of the franchise sector,construction of team of customer manager Small and micro businesses lag,information asymmetry,Small and micro businesses credit process and is not perfect,credit risk control level is low.Therefore,the Lanzhou rural commercial bank in the process of further expansion of credit services business in Small and micro businesses should adhere to market orientation,from the innovation of credit products,to set up the franchise sector,Small and micro businesses and alleviate the information asymmetry,improve the process and way,credit Small and micro businesses to improve the credit risk control level Small and micro businesses and other aspects of the reform of corresponding institutions update,business philosophy,and ultimately achieve the Lanzhou rural commercial bank Small and micro businesses credit business development goals.