A Case Research On Small Microenterprise 'Guarantee-assistant Loans'of L Bank Y Branch

On the background of the new economic normal,cutting overcapacity and de-leveraging make some large and medium-sized enterprises face greater pressure than before.At the same time,some small and micro-enterprises can actively respond to government departments call for creating new growth point of GDP and increasing taxes and improving the level of employment.All of this not only because of its small size and they are numerous,but also they can be more flexible to adjust their own business development strategy.China's small and micro-enterprises face many difficulties as they are in rapid development.To get the credit funds becomes the biggest obstacle to the development of small and micro-enterprises.For small and micro-enterprises,the bank is the most important access to get the credit funds.In the case of banks,the new economy normal is not just an opportunity,but also a challenge.On the background of the new economic normal,the Y branch of L bank try its best to optimize the capital structure and reverse the previous management strategy,then it transfer the target from the large and medium-sized customer to the small and micro-enterprises.Actively expand the small micro-credit business,this can provide financial support for the small and micro-enterprises and bring new growth power for the real economy.This paper takes the case for the application of the small micro-credit business by F company from the Y branch of L bank,and this paper describes operational processes of the small micro-credit business,and studies the standard of the target customer's accessing and the model of comprehensive guarantee and the manage way after loan.Through the concrete analysis of the small and micro-credit from the previous section,this paper puts forward some countermeasures about the small and micro-credit of the Y branch and this paper also give some think combine with the experience of working in the small business management center.