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Research On Small And Micro Enterprises' Credit Problems And Countermeasuers Of Jiangsu Branch Of JT Bank

Posted on:2018-01-15Degree:MasterType:Thesis
Country:ChinaCandidate:T S ZhangFull Text:PDF
GTID:2359330536988178Subject:Finance
Abstract/Summary:PDF Full Text Request
Small and micro enterprises are the main contributor to the country's economic development.Final goods and service value created by them accounts for 60 percent of gross domestic product(GDP).They pay 50 percent of total national tax revenue,complete 65% of invention patents and finish more than 80% of new product development.However,due to the high business risk of small and micro enterprises,the corresponding credit default risk will be higher.The specific performances are as follows: the amount of each loan is relatively small,the financial accounts are not standardized,and effective collateral is not enough.These carry a high unit cost for bank lending,and the bank can not obtain all available information which causes greater credit risk.Therefore,it is imperative for China's commercial banks to expand business of small and micro enterprises credit to manage small and micro-enterprise credit scientifically and effectively.Based on Jiangsu branch of JT bank,this paper mainly analyzes the actual development of the small and micro enterprises credit,sets forth specifically the measures which the bank takes to solve difficulties in developing small and micro enterprises credit.And this paper digs out specific strategies how Jiangsu Branch of JT Bank solves difficulties in financing of small and micro enterprises and serves small and micro enterprises.And furtherly we refine features of Jiangsu branch on small and micro enterprises credit business.Also this paper wants furtherly to analyze problems on small micro enterprises credit business of Jiangsu branch,so that we can provide advice on improving services of small and micro enterprises credit and provide some references for other financial institutions which are exploring the development of small and micro enterprises credit business.According to the characteristics of the Jiangsu branch of JT bank and Small and micro businesses themselves,combining with the analysis of small micro credit business problems and causes,this paper points out that the JT Bank branch in Jiangsu province to better carry out Small and micro businesses credit business,need to actively from the following six aspects:(1)make efforts to create a new model of small micro enterprise credit marketing;(2)establish Small and micro businesses credit evaluation system;(3)construction of Small and micro businesses franchise organizations,improve the professional level;(4)innovation Small and micro businesses credit approval process,improve the efficiency of credit approval;(5)the implementation of differentiated business strategy;(6)improve the system the credit risk management of Small and micro businesses.
Keywords/Search Tags:Small micro enterprises, credit financing, loan risk, strategy, financing difficulties
PDF Full Text Request
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