Analysis Of Credit Products Of Small And Micro Enterprises Of Kunshan N Bank

In recent years,the government has raised the concern about the growth and development of micro and small companies to an unprecedented height.At present,under the favorable development environment of “mass entrepreneurship and innovation”,the adjustment of industrial structure and the acceleration of urbanization have become long-term development strategies in the future.Supporting and developing small and micro enterprises is an important measure to achieve this strategy.On the other hand,factors such as the acceleration of interest rate marketization and the challenge of financial disintermediation have caused banks' profit growth space to be compressed and transformation is imminent.Banks' efforts to solve the financing problems of small and micro enterprises are not only their due social responsibilities,but also their own The development of strategies and business transformation feasible.In this environment,Bank N launched a series of credit products for the financing of small and micro enterprises,and achieved remarkable results.In particular,Kunshan formulated Kunshan's implementation plan for the six-year action plan for transformation,upgrade,innovation and development(2015-2020).On the basis of the annual draft(draft for solicitation of comments),we have timely launched innovative products for “small and micro business loans,” and together with other small and micro enterprise credit products,we have provided all-round financing solutions for local small and micro enterprises.This article is in this context,mainly through the development status and actual problems faced by the author in the bank's credit work,as well as the countermeasures and solutions taken to summarize and analyze,combined with small and micro enterprise credit products The latest developments include the research on N-bank Kunshan Branch's credit products for small and micro enterprises.The "small-micro-venture" product is used as an example for discussion and discussion.It is hoped that N-bank Kunshan Branch will be able to provide small and micro enterprise credit products to some extent.The development provides theoretical support and methodological guidance.