The Research On The Operation Status And Influencing Factors Of Small And Micro Enterprises Loan Business Of CMBC

Since 1880 s,great changes have taken place in the group and nature of our enterprises.Small and micro enterprises have gradually become a huge group on the economic stage,and the contribution to economic growth is becoming more and more obvious.With the continuous development of small and micro enterprises,many contradictions and problems have come into being.Among them,small and micro enterprises are difficult to finance and are difficult to borrow.It has become the bottleneck of the rapid development and expansion of small and micro enterprises.Although the state has made great efforts to solve the problem of financing for small and micro enterprises and has achieved many achievements,there are still many problems in the operation of small and micro enterprises,which have both the reasons of small and micro enterprises and the bank risk management.This paper,starting with the characteristics of small and micro enterprises and the risk management theory of commercial banks,combines the relevant literature and theoretical basis at home and abroad,according to the universality of the bank risk and the characteristics of small and micro enterprises,as well as the characteristics of small and micro enterprise loan financing,taking the small and micro enterprises of Minsheng Bank as the research object,analyzing the people's livelihood bank in an all-round way.The current situation and effect of the operation of small and micro enterprise loan business,the problems and reasons for the operation of loan and loan business of Minsheng Bank are discussed.At the same time,using multiple linear regression model and statistical analysis method,this paper empirically analyses the influencing factors of the operation of small and micro enterprises in Minsheng Bank,and puts forward the promotion of the people's livelihood bank.Small and micro enterprises loan business operation rationalization countermeasures and suggestions.Through theoretical analysis and empirical research,this paper makes an objective and in-depth analysis on the loan business operation of Minsheng Bank in small and micro enterprises,and obtains the following conclusions:First,Minsheng Bank has made a lot of achievements in the operation of small and micro enterprises loan business,but there are some unavoidable problems.The main performance is the loss of small and micro enterprises caused by information asymmetry,the operation risk loopholes,and the unreasonable assessment mechanism.Secondly,through the empirical analysis of the factors affecting the operation and operation of small and micro enterprise loan business operation of Minsheng Bank,it is believed that the credit level of the enterprise,the operating profit and the loan interest rate have a significant influence on the bank loan amount.Thirdly,according to the practical and empirical analysis results of small and micro enterprise loans of Minsheng Bank,this paper puts forward the optimization scheme of small and micro enterprise loan credit,defines the target customers of the loan,perfects the way of guarantee,promotes the overall improvement of the quality and efficiency of risk management and control,and effectively reduces the risk of non-performing loans.Finally,it puts forward countermeasures and suggestions to enhance the operation of small and micro enterprises loan business.Mainly include: improve and optimize the management system,improve the degree of specialization and team cooperation of the small and micro loan team,improve the assessment salary system,reduce the operational risk,strengthen the industry risk management,push the business model innovation and the good small and micro enterprise loan support system.