Research On The Development Strategy Of Small And Micro Enterprise Credit Business Of JS Bank

The transformation of China's economy has enabled the economy to achieve a leap-forward development.In the banking market,small and micro enterprises play an increasingly important role.On the one hand,small and micro enterprises can expand the employment scope of urban population,on the other hand,they also promote the prosperity of China's market,and then contribute to China's economic growth rate.However,due to restrictions such as credit conditions and scale,small and micro enterprises will encounter greater obstacles in financing and become stumbling blocks and bottlenecks in the development process.In light of this,the State,considering the development of small and micro enterprises,called on commercial banks to actively participate in the resolution of financing for small and micro enterprises.As a large-scale commercial bank,JS Bank should play an exemplary role in providing financing for small and micro enterprises and promoting the development of small and micro enterprises in China.This paper selects JS Bank as the research object.Based on preliminary understanding of the status quo of JS Bank's small and micro enterprise credit business,830 non-performing loan customers of JS Bank are selected as specific research samples.First,a special questionnaire is designed to investigate the sample customers and then collected.The results of the questionnaires were collected,collected,and summarized.Finally,the data after consolidation was used for big data validation.Through verification and analysis,it was concluded that there were two causes of financial misery for small and micro enterprises:First,external environmental factors such as changes in the market,economic downturn led to a decline in the amount of credit business;Second,customer factors such as legal representative of bad behavior,The low level of business management,etc.,provides data support for the financing difficulties of small and micro enterprises.On this basis,taking JS Bank as an example,it proposed to adjust the credit allocation structure,allocate special loan scales,strengthen assessment and incentive policies,increase special labor costs,adjust credit approval authority,specifically support small and micro enterprises,enhance customer awareness,strengthen customer choice,give full play to the advantages of outlets close to the market,close to customers,and lay out small and micro enterprise product lines around customer needs.Strengthen risk prevention and control,do not touch the bottom line of credit access,and a series of measures and recommendations.Provide a reference for the commercial banks to solve the financing problem of small and micro enterprises.