Research On Optimization Strategies Of Small And Micro Enterprise Credit Service Of The H Commercial Bank

Small micro-enterprise is reform of results and product,small micro-enterprise in economy of development process in the up to has important role,for national increased has tax,provides has many employment and venture of post,maintenance has economic and social of stable,promoted has technology innovation,enhanced has market of development potential and market products of replacement,many of small micro-enterprise in development process in the,gradually of grow growth up,in products independent development,and process optimization and market marketing,aspects are for has many of innovation and development,Small and micro enterprises have become a force to be reckoned the economic development,due to small and micro businesses set up time is shorter,smaller enterprises,economic foundation is weak,there is no strong ability to withstand market risks,and more difficulty in financing,small business growth and development to solve the problem of financing.Often takes the market economy driven by commercial banks provide financing services for large and medium sized enterprises,ignored credit support to small and medium enterprises and management,small and micro enterprise loans problem is particularly serious.Meanwhile,many local commercial bank credit business start-up financing for small and micro businesses,economic development has been obtained good social benefits,make a contribution to support local economic construction.But,in small micro-enterprise credit management Shang also appeared has many problem,as:small micro-enterprise loan appeared late,and loan uses inconsistent,and borrowing people credit low,and small micro-enterprise credit loan Qian survey service enough detailed,loan approval service Shang to be perfect and loan Hou track missing and so on,are in is big degree Shang effect with commercial banks small micro-enterprise credit service quality of upgrade,caused commercial banks small micro-enterprise credit management problem of appeared,makes commercial banks of small micro-enterprise credit management risk,and credit risk,constantly of increased,Seriously affects the quality of credit assets of commercial banks and improvement of quality of service.Commercial Bank howto effect in the optimization of small and micro enterprise credit services for small and micro enterprise credit risk continued credit services for small and micro enterprises for optimization and improvement has become a top priority.Paper selected h commercial banks for research object,used case analysis method,and compared analysis method,and literature analysis method and qualitative analysis method,method,on small micro-enterprise get credit support of theory for briefly recalled,integrated abroad about small micro-enterprise credit support of literature information,through on h commercial banks on small micro-enterprise credit management status for analysis,from found restricted commercial banks small micro-enterprise credit optimization of problem;while on h commercial banks small micro-enterprise credit risk be analysis;And combined about literature information and the by learn professional theory proposed corresponding of optimization strategy,that: established sound small micro-enterprise credit risk guarantees mechanism,strengthening small micro-enterprise credit business of loan Qian survey,loan process in the strengthening on small micro-enterprise loan review,perfect small micro-enterprise credit loan Hou Management;Bank implemented differences of management,improve service efficiency,improve small micro-enterprise credit service level,reasonable determine small micro-enterprise loan term,active innovation small micro-enterprise credit service mode,opened small micro-enterprise financing supermarket,and tiny loan,Increase small business Bill financing and so on,to solve the financing problems of small and micro enterprises,loans provide help,h small micro-enterprise credit service of commercial bank.