Research On The Problems And Countermeasures In The Credit Business Of H Bank Small And Micro Enterprises

After more than ten years of rapid development,China's city commercial banks have achieved certain achievements.However,with the increasingly fierce competition in the financial market,city commercial banks have to open up new business areas in order to seek better development.Accompanied by the SME Standards Regulations promulgated by the Ministry of Industry and Information Technology of China in 2011,the unique group of small and micro enterprises has received more attention from people,and its inherent difficulties in financing have also increased.More mentioned.At this point,the initial positioning of SMEs serving urban SMEs has a high degree of convergence with the SME financing issue.City commercial banks,as an indispensable financial institution in the commercial banking system,provide a positive driving force for the development of small and micro enterprises based on their own positioning.The steady development of small and micro enterprises not only helps to promote the vigorous development of social finance,but also eases the status quo of employment difficulties in China at this stage.Therefore,vigorously developing this business area will help promote the rapid development of China's urban commercial banks.This article takes H bank as the main subject of case analysis,analyzes the development status and existing problems of the development of small and micro credit business,and concludes that H bank has mainly small credit business scale and high loan default rate in carrying out small and micro credit business.Insufficient product innovation and other issues,at the same time,the analysis of the above problems,including: H banking market positioning is not accurate,small and micro credit risk management system is not perfect and small micro-credit professional team needs to be strengthened.According to the above issues,H Bank has made corresponding recommendations.This article aims at the characteristics of H banks and small and micro enterprises themselves.To further improve the development of H-bank micro-credit businesses,the experience and implications of China's commercial banks in the development of small and micro enterprise credit businesses are combined to combine the problems and causes of small and micro credit business.According to the analysis,this paper points out that H bank should make adjustments to the development of small and micro credit business from the following three aspects,including:(1)scientifically positioning small and micro business market;(2)upgrading risk prevention and control system;(3)strengthening Credit staff team building.This paper studies the credit business of small and micro enterprises to help H banks expand the customer base of small and micro enterprises,and even provide reference for the development of small and micro credits of similar financial institutions.