Research On The Development Of Small And Micro Enterprise Loan Business Of Hainan Branch China Construction Bank

The development of small and micro enterprises has attracted the attention of the national government.Especially in 2014,Premier Li Keqiang encouraged national entrepreneurs,especially to promote the development of small and micro enterprises to encourage financial institutions to increase their support.After several years of rapid development,the contribution rate of small and micro enterprises to the gross national product even exceeds 65%,which has become an important driving force for China's social and economic development.Since the beginning of this century,the small and micro enterprise loan business has attracted more and more attention from the national financial field and related experts and scholars.However,at present,China's small and micro enterprise business has small scale,rising default,insufficient innovation,insufficient incentives,less contribution,and cumbersome procedures.Serious problem.As far as banks are concerned,banks have increased their investment in small and micro enterprises under the control of relevant national macroeconomic policies,which has become a turning point in their new business.Hainan Province is no exception.Hainan Construction Bank is firmly in charge of the development opportunities of small and micro enterprises.Based on the characteristics of Hainan's small and micro enterprise market,it has developed a corresponding micro and micro financial service plan to provide specialized financial services for Hainan small and micro enterprises..However,due to problems in product,marketing,risk,and assessment,the further development of Hainan Construction Bank's small and micro enterprise loan business was restricted.Therefore,in combination with the internal and external environment of the small and micro enterprise loan business of Hainan Construction Bank,it is necessary to study the strategy of Hainan Construction Bank to develop small and micro enterprise loan business and increase the service to the real economy.This paper mainly follows the research ideas of "from practice to theory to practice".Starting from the specific business development situation,by discovering the actual deficiencies,returning to the theory,finding the causes and internal and external influence factors,further combining the internal challenges and external challenges,Development strategy.This paper mainly uses literature research method,comparative research method,SWOT model research method,empirical research method,etc.,based on the summary of existing research,the basic situation of Hainan Provincial Construction Bank,the status quo and business of small and micro enterprise loan business The operational experience is explained in detail,pointing out the shortcomings in the risk management,product innovation,employee incentives,marketing methods,loan interest rates,and handling procedures in the development of the small and micro enterprise loan business of the bank;The external and internal environmental factors of the bank's small and micro enterprise loan business development,and using the SWOT model for systematic analysis,combined with the actual business of Hainan Construction Bank,focusing on specialization,intensification,platformization,and dataization,Market positioning,strengthening credit system construction,improving business efficiency,integrating innovative products,broadening marketing channels,and improving incentive and restraint mechanisms,etc.,proposed the development strategy of Hainan Construction Bank's small and micro enterprise loan business.In order to provide a reference for the development of small and micro enterprise loan business of China Construction Bank of Hainan Province.