Research On NJ Bank's Credit Market Expansion For Technology Based Small Businesses

As an important carrier for the implementation of mass entrepreneurship and innovation in China,small enterprises have an irreplaceable role in increasing employment,promoting economic structure transformation and scientific and technological innovation.China has transferred the important task of industrial restructuring and upgrading to the above-mentioned small and medium-sized enterprises.However,the development of small businesses is inseparable from adequate financial support,and the development of small technology-based enterprises is no exception.A large number of technology-based small businesses are still facing huge funding gaps,which seriously curtail their further development.However,the characteristics of "high investment,high income and high risk" have made it difficult for small and technological small enterprises to obtain financing gap from financial institutions.This situation is a great opportunity for commercial banks.They can give full play to their own regional advantages,improve the financing difficulties of small scientific and technological enterprises,and further broaden their business with the help of the financing needs of scientific and technological enterprises.From the perspective of commercial banks,this paper studies the credit business of commercial banks in small and technological small enterprises,and analyses the specific measures and existing problems of NJ banks' participation in the credit of scientific and technological small enterprises with specific cases,and aims at the existing problems to select customers from the list,increase products and service innovation,and cultivate science and technology.The financial compound talents team,the optimization of the access process,the simplified examination and approval process,and the six aspects of the prevention and control of non-performing loans are put forward in the six aspects of the credit business expansion of the small enterprises in the Bank of science and technology.It provides reference for commercial banks to develop credit business for small and medium-sized technology enterprises.This article is mainly divided into six parts: the first part is introduction.It mainly discusses the necessity,significance and research ideas of the study;the second part,related concepts and theoretical basis.The relevant definitions,domestic and foreign literature review and related theories are introduced to la y a theoretical foundation for the research.The third part,analysis of the curre nt situation of credit financing for small and technological small enterprises in Nanjing.The support of Nanjing in the credit business and the financing chara cteristics of small and technological small enterprises are analyzed,and the diff iculties in the practical operation of credit support for small and technological small enterprises are obtained.The fourth part is the development of credit bus iness of NJ bank technology small enterprises.Combined with the reality of N J bank to carry out the situation of small enterprise scientific and technological loan,find its difficulties in the operation of specific business,and analyze it;the fifth part,NJ bank scientific and technological small enterprises credit busi ness expansion countermeasures.Aiming at the problems existing in the NJ ba nk's credit business in developing small and medium-sized technology enterpris es,the paper puts forward some countermeasures.Through the above analysis,there are six problems in this paper: the unclear target customer,the lag of th e existing product service,the few complex talents with the understanding of t he bank at the same time,the tedious process of admittance,the tedious exami nation and approval process and the few means of preventing and controlling t he bad credit.This paper,aiming at the above problems,puts forward the cou ntermeasures from six aspects.The list is to choose the customers,to increase the product and service innovation,to train the scientific and technical financia l compound talents team,to optimize the admission process,to simplify the ex amination and approval process and to prevent and control non-performing loan s.The sixth part is the conclusion.This paper studies the expansion of credit business of NJ bank scientific and technological small enterprises by literature summary,theory combined with practice and experience summary method.The main significance of this paper is that through the analysis of specific cases,it can make commercial banks get some inspiration from it,and make a targeted formulation of small enterprises in science and technology type.Industry's credit expansion measures,so as to effectively and effectively promote the sustainable development of related businesses and risk control,so as to achieve win-win situation of banks and enterprises.