Research On The Development Of Small And Micro Credit Business Of Agricultural Bank Of China Changshubranch

The transformation of economic structure brings forth new definition and requirements to small and micro enterprises.The policy support,adjustment of industrial structure,new technology revolution and innovation of business modes all are new challenges for banks to evaluate small and micro enterprises.Therefore,how to effectively collect information of small and micro enterprises and evaluate the development potential of small and micro enterprises are new tasks for banks' credit granting business.In June 2011,Regulations on Small and Medium-sized Enterprises Type Dividing Standard was jointly issued and implemented by State Statistics Bureau,National Development and Reform Commission and Ministry of Finance.When the development of small and micro enterprises are paid high attention to,supporting financial policies and taxation policies were also issued.Later on,by virtue of abundant funds and marketing strategies,state-owned joint-stock banks in China took the initiative to expand product categories and improve service level,so as to help small and micro enterprises keep developing.To enhance the banks' evaluation on small and micro enterprises is beneficial to the banks' accurate and mature judgement of credit business for small and micro enterprises.The instability of the development of small and micro enterprises and the banks' information asymmetry lead to weak identification ability of small and micro enterprises;This thesis takes Changshu Sub-branch of Agricultural Bank of China Ltd.(hereinafter referred to as ABC Changshu Sub-branch)as a research object.Since ABC Changshu Sub-branch is a joint-stock bank,its operation goal is still to earn profits.As a result,how to effectively combine the profit earning of ABC Changshu Sub-branch and the development of small and micro enterprises is a problem to be urgently solved by banking industry.Firstly,the reasons for domestic and overseas commercial banks' offering credit business to small and micro enterprises and the credit granting conditions are organized and categorized,and the current situations of domestic and foreign small and micro enterprises' credit obtaining are also analyzed.Secondly,starting with the overall situation of small and micro enterprises customers of ABC Changshu Sub-branch,the reasons why it is hard for small and micro enterprises to obtain credit from ABC Changshu Sub-branch and the problems existing in the management system of ABC Changshu Sub-branch are analyzed from the aspects of external operation environment and internal resource status,so that ABC Changshu Sub-branch can have a deeper understanding of its current status.Thirdly,based on above analysis findings,the main reasons leading to problems,such as limitations of bank business operation mechanism,features of operation of small and micro enterprises and the lack of credit products for small and micro enterprises,are figured out.Lastly,on the basis ofthe above analyzed problems and help ABC Changshu Sub-branch attract small and micro enterprises customers,promote the development of credit business for small and micro enterprises and enlarge the profit margins of ABC Changshu Sub-branch.expected that the research on small and micro enterprises and credit business of ABC Changshu Sub-branch can serve as case support to the research on Chinese banks' providing credit business to small and micro enterprises.