Analysis Of The Difficulties And Countermeasures Of Small Business Credit Grants In Commercial Banks

The small enterprises are critical parts of our country's real economy.A majority of small enterprises were enlarged just by own internal funds for a long period because of the limited development power of small enterprises and the drawback of banking institution systems.The financing difficulties problem becomes a bottleneck on the way of their development.With the development of computer technique,internet technique and big data technique,there is hope of solving the financing difficulties problem.Under the influence of trend that domestic finance should support real economy;in pace with highly homogeneity-oriented trend of the businesses of domestic bank,it is strategic choice that it is necessary that banks develop credit business for small enterprises.The article suggest how to improve current procedure of the small enterprises' credit business,for example,using big data technique to integrate all customer resources in the bank in order to enlarge the resources of customers,optimizing business products,improving approval process of credit business,sign of the letter of credit,strengthening post-loan management,meanwhile through computerizing the procedure of the small enterprises' credit business to improve efficiency,from the above aspects,break through the bottleneck which restrict the development of the small enterprises' credit business.Through utilizing big data,Shenzhen branch of C commercial bank acquires a large progress in two aspects of the customer resources and the post-loan risk monitoring,which lay a solid foundation for the small enterprises' credit business.The small enterprises' credit business become a new profit pool,which is start point and the meaning of research of the article.The article adapts methods of numerical analysis,literature investigation and the combination of theory and case analysis in order to consolidate theory and case analysis.Through the study of commercial banks' credit theory and small enterprises' venture feature,referring to relative literatures of small enterprises,all of which lay the foundation of the research for the article.Through detailed analysis of cases about how the small enterprises get loan from C commercial bank,disclose problems and reasons which commercial banks have in current society backgrounds.Finally draw a conclusion of the article.Meanwhile the article puts forward strategies and suggestions to solve the problem,for example,how to acquire target customer group of small enterprises,how to improve approval process of credit business,how to sign of the letter of credit,how to strengthen post-loan management and so on.