Guizhou Bank's Small Micro Credit Business Development Strategy Research

With the rapid economic development,micro and small enterprises witch is called for a huge amount of social businesses have also achieved a remarkable increasing speed.At present,micro and small enterprises have already become an important part of the social and economic progressing in increasing employment?fueling economic growth?raising tax and improving people livelihood.However,the real position cannot match the contribution of small enterprises,witch mainly reflects in the financing difficulties.In addition,these difficulties are existing for a long time.Actually,capital pressure has already become the bottleneck of small enterprise development,witch is harmful to economic growth.At the same time,city commercial banks are turning into the third construction under the five state-owned banks and other nationwide banks.As city commercial banks achieve their outstanding performance,they also promote the prosperous urban market.In fact,considered to be a local city commercial bank,the Bank of Guizhou also makes an huge contribution to flourish Guizhou province market.Nevertheless,the local economic supporting power of Guizhou Bank is obviously insufficient due to the factors of hurried establishment,defective regulation managementblocked procedures,and some limitations in small enterprises,such as small scale,high risk,low management level,hidden financial information,and unreliable internal control.The two aspects stunt the micro-business loan promotion.This thesis firstly analyses the importance of the micro-enterprise loan business in Guizhou bank.At the same time,we dissects the current situation and obstacles in these business.Considering multiple factors to discuss the difficulties in the bank's small enterprise loaning field,we make research on the credit service,internal control,procedure design,review culture,and human resource situation.We provide the development strategy on the micro-enterprise credit business,so this thesis on the topic is not only meaningful to the bank itself,but also to the external parties.