Research On The Development Of Small And Micro Enterprise Credit Business Of LY Bank

Small micro enterprises,as the backbone of our country social economy development,provides a large number of employment opportunities for the society and creates GDP in many areas.Since reform and opening up,small and micro enterprises account for an increasing proportion of China's economic structure,and relevant government departments also pay more and more attention to the problem of financing for small businesses,but the small micro enterprise financial service demand is still not fully satisfied.Local city commercial banks have a unique advantage in providing financing support for small and micro businesses.Local city commercial Banks should use their advantages to provide comprehensive,differentiated,multi-level financial support and services for small and micro enterprises in the region.At the same time,they can use the financing business of small micro enterprises to establish a self-characteristic and efficient business model to improve our core competitiveness.This paper,based on the small micro enterprise financing,is an example of the development of the credit business of small micro enterprise in LY bank.This paper tries to find a balance for small enterprises to provide a good financing environment and to create profit for LY Banks,so as to realize a win-win situation,and the whole area of economic and financial to promote common development.Firstly,this paper describes the social environment that microenterprises face in the present stage and analyzes the difficulties and causes of "financing difficulties" in small and micro enterprises.This paper considers that the small scale,the structure of the asset structure,the lack of the management system and the low credit rating are the main causes of the financing difficulties of small micro enterprises.Secondly,the article analyzes the development status of the credit business of the small micro enterprise in LY bank,and studies the general situation and product information of the credit business of small micro enterprise.This paper presents the problems of LY bank in the credit business of small micro-enterprises,and studies the efficiency of LY bank's support for micro-enterprise credit business through the DEA model.Finally,based on the status quo of small micro enterprise financing difficulties and LY bank small micro enterprise credit business problems,this article will put forward targeted and feasible improvement strategy.The specific practice of LY bank in this paper can also provide reference for the development of credit business in other banks.