Research On Relationship Lending Model Of Small And Micro Enterprises-Taking Zhejiang Tailong Commercial Bank As An Example

Under the current situation of increasing downward pressure on the economy,the status of small and micro enterprises in China's economy is increasingly rising,and has become an important driving force for the development of the national economy.However,for a long time,small and micro enterprises have always faced difficulties in financing difficulties,and their speed of development has been severely constrained.According to a survey conducted by the Private Economy Research Institute on small and micro enterprises,51% of small and micro enterprises believe that financing is the biggest difficulty in development.How to resolve the financing problems of small and micro enterprises,to give full play to the strength of small and micro enterprises,and to better promote the healthy development of China's economy,is of great significance.Limited by its size and operating conditions,obtaining loans from commercial banks is the most important external financing channel for small and micro enterprises.Commercial banks,as the backbone of the national financial system,should create more conditions for the financing of small and micro enterprises and promote them to play a more important role in the future.Of course,the solution to the financing difficulties of small and micro businesses is inseparable from the development of many small banks dominated by city commercial banks.Zhejiang Tai long Commercial Bank,as a local city commercial bank,has made great achievements in the financing of small and micro enterprises by establishing extensive use of relationship lending.Its successful experience has also been highly concerned by the State Council and other departments,and has been awarded the "national small and micro financial services advanced unit" 5 times by the China Banking Regulatory Commission.The success of the Bank of Tyrone has made relationship lending a “Tai Long Model” with strong characteristics,providing a vivid case for solving the financing difficulties of small and micro enterprises.Therefore,this paper selects Zhejiang Tai long Commercial Bank as the research object,adopts the case study method to analyze it concretely,and tries to provide some suggestions for the reference of more commercial banks engaged in small and micro financial services.This paper adopts a combination of theoretical and practical case analysis methods,from the perspective of bank-enterprise relations,based on summarizing research results at home and abroad,it first outlines the theoretical model of relationship lending,including the operating mechanism,characteristics,advantages,and limitations of relationship lending.Secondly,taking the successful experience of Zhejiang Tai long Commercial Bank as a case,it conducted research and analysis: first,it introduced the related situation of Zhejiang Tai long Commercial Bank,the status quo of small and micro enterprise loan business,and the operation flow of relationship lending,and then the characteristics of the relationship lending model of small and micro enterprises in Zhejiang Tai long Commercial Bank,the risk management of the relationship lending,the advantages of the relationship lending model and the existing problems were analyzed concretely.Finally,combined with the advantages of Zhejiang Tai Long commercial bank's relationship lending mode,this paper provides inspiration for our government departments and other commercial banks,and proposed relevant suggestions for the problems existing in the relationship lending of Zhejiang Tai long Commercial Bank,including: reducing the folk style and accelerating procedural construction,using financial big data to reduce bank operating costs,and promoting business transformation,focusing on light capital and asset development.