Thoughts On The Development Of Micro-enterprise Credit In City Commercial Banks

There are number of Urban Commercial Banks.These wide spread enterprises plays a significant role in activating economic,making our life convenient and increasing employment,which are the the most active and viable force in our economic.Their contribution to the national economy has also increased year by year.Urban Commercial Banks are also the foundation of promoting the upgrading of our economic structure,and act an unique role in promoting our economy out of the financial crisis as quickly as possible.Besides,they are the basic force for promoting the full recovery of China's microeconomic and the further getting better and better of our macroeconomic.However,due to the inherent characteristics of Urban Commercial Banks and the characteristics of China's policy environment,Banks Loans become a long standing problem.Although the governments announced a number of policies to help Urban Commercial Banks obtain fundings,the complex procedures of loans,the harsh conditions of collateral and guarantees,the high cost of loans,inefficiency and other problems have always been around,excluding the above reason.The phenomenon that "Seeking for loans" of Medium and Small Enterprises(SEMs),especially Urban Commercial Banks,has not been fundamentally alleviated.With the coming of the era of financial globalization,the domestic banking industry is experiencing a number of unprecedented major changes.The focus of competitions between banks,is shifted from chasing nominal yield to the comprehensive risk management,and the resulted The Sustainable Development Ability.In recent years,due to the homogeneous competition with the large bank in the management,the contradictions and issues that restrict the development of China's Urban Commercial Banks have been revealed.Using the advantages in the information and cost,tapping new profit growth point,occupying a larger market share,and seeking appropriate profit model has become important issues that the Urban Commercial Banks have to face and solve.With the small radius of management,efficient decision-making and the natural conditions in geo-popularity,with the unique advantages in the institutions and personnel,with the huge profit space that carried by the huge gap of supply and demand in loans,it is necessary for China's Urban Commercial Banks to develop credit business with Urban Commercial Banks.It is proved by many international practices that the model of credit business with Urban Commercial Banks can realize the social benefits,and can achieve a high return rate as well.Besides,this model is appropriate for the development of Urban Commercial Banks and market-oriented operation.Thus,China's Urban Commercial Banks should choose a credit business model with Urban Commercial Banks,which can not only satisfy the financing needs of Urban Commercial Banks,but also make the profits of the banks grow steadily,and should adapt to China's national conditions.However,the existing business processes,risk management,IT systems,financial products,personnel of commercial banks cannot support large-scale loans with Urban Commercial Banks.Therefore,China's Urban Commercial Banks should make appropriate improvements at different levels.