Research On Credit Issues Of Small Businesses In Xinxiang Branch Of Postal Savings Bank Of China

With the development of China's market economy,the demand for funds of small and medium-sized enterprises is increasing.Commercial banks as the supply of funds,loans to small and medium-sized enterprises to meet the demand for funds,commercial banks based on risk management,the credit of the borrower has strict requirements,so that the creditworthiness of the bottom,it is difficult to provide effective collateral guarantee of small and medium-sized enterprises is difficult to obtain loans from the bank.Due to the dispersion of industry distribution and the complex operation condition of enterprises,the loan and collateral conditions of enterprise loans are not up to standard,which is generally regarded as a risky loan product by financial institutions.at the same time,small enterprises have a large number of funds through private lending and kinship,and even become a unique and universal financial phenomenon in China.The type of loan ratio of debt for small businesses,small businesses Chinese there are a large number of loan demand,it has a huge potential market for banks,but all sorts of characteristics of small business loans determines the enormous difficulty of its risk control,due to the characteristics of various reasons of market economy and the impact of the small enterprise itself.The need for reasons of economic development situation in-depth study of non-performing loans for small businesses,an antidote against the disease.This paper analyzes the credit business of the bank from several aspects,such as credit products,business development,collateral management,personnel management and risk prevention.Weak risk prevention measures;The cumbersome operation process;Single and unstandardized requirements for collateral;The shortage of talents and the deficiency of the incentive appraisal mechanism are five problems,and some countermeasures and suggestions are put forward according to the problems of the small enterprise loan business in xinxiang branch of the post office bank.Strengthen risk prevention of small business loans;Learn how to optimize the loan process for small businesses from well-known research firms;To strengthen the reserves of credit personnel and enhance their quality;Change and strengthening of collateral management model.