Research On The Problems And Countermeasures Of Small And Micro Enterprise Loans Of Industrial And Commercial Bank Of China Yantai Branch

In the past 20 years,China's economy and society have developed rapidly,and the private economy has also achieved great development.The proportion is increasing.It plays an increasingly important role in promoting the development of the national economy,expanding domestic demand,stabilizing employment,and transforming the mode of economic development.At the same time,the development of small and medium-sized enterprises in private enterprises has been greatly promoted,and small and micro enterprises occupying 99%of the total number of enterprises in the country have become the most active force in the national economy.However,in the past two years,the development of China's large and small micro enterprises is worrying.On the one hand,the complicated and ever-changing international economic situation has made the overseas market extremely unstable.The impact of foreign exchange changes,overseas trade barriers and dumping suspicion has made export difficult.On the other hand,China's economy has begun to enter a period of low-speed growth and structural transformation.Small and micro enterprises are generally the end-support enterprises in the production and processing industry,and with the acceleration of the domestic economic transformation in recent years,the labor cost has increased significantly,coupled with the obvious increase in raw material costs,the reduction in orders,and the tight capital chain.Many small and micro enterprises have begun to face difficult business situations.Due to the imperfect system of small and micro enterprises and the opaque information,the financing channels of small and micro enterprises are limited,and they cannot obtain sufficient financial support from formal channels.To this end,the Party Central Committee and the State Council and various local governments have successively issued a number of policies to actively support the development of small and micro enterprises,and help small and micro enterprises to solve many difficulties and problems in the process of financing and development,although some positive results have been achieved.However,if we want to further solve the problem of financing difficulties for small and micro enterprises,banks that are an important part of small and micro enterprise financial services are crucial.Banks are the executors of the policy.Vigorously developing small and micro enterprise loan business can effectively reduce the financing cost of small and micro enterprises,promote the development of small and micro enterprises,and help banks increase their profits and enhance their competitiveness in the fierce competition and challenges of the industry.ICBC is one of the largest state-owned commercial banks in China and one of the top 500 companies in the world with a large customer base.The Industrial and Commercial Bank of Yantai Branch is a secondary branch under the jurisdiction of Industrial and Commercial Bank of China Co.,Ltd.In recent years,it has conscientiously implemented the provincial bank credit policy under the national plan,actively expanded the service field,and took the lead in launching the small and micro enterprise loan business,and achieved good results.Has formed a relatively complete small micro-enterprise loan business product system,has launched a more targeted commodity financing loans and small micro-enterprise revolving loans and other related service products,and the traditional business and network technology combined in the industry to be the first to launch The "Net Credit" product has played a good role in promoting the rapid development of small and micro enterprises.However,there are still many problems.This paper selects the relevant data of five representative first-level sub-branches of ICBC Yantai Branch in recent years,and points out the loans that the Industrial and Commercial Bank of Yantai Branch has in the development of small and micro enterprise loan business.The balance of the balance,the proportion is not high,the number of loan customers is insufficient,the new product marketing has limited effectiveness,the credit environment is not good,and so on,and the specific reasons for the business,such as banks,small and micro enterprises and the external environment,are found and found to be blocked.In view of the problems in these three aspects,the author starts from the actual situation of Yantai Branch,first gives the strategic choice of Yantai Branch's small and micro enterprise loan business:clear positioning,exploring new mechanisms for risk prevention and control,optimizing management system,and completing processes and methods.To give full play to the advantages of the Internet and big data,and then from the perspective of the bank,put forward a series of specific improvement suggestions for establishing the authorization and approval system under the credit granting of small and micro enterprises,strengthening loan management,marketing mix strategy,and strengthening the management and training of employees;The angle proposes to guide small and micro enterprises to establish and improve modern enterprises.Institutions,promotion of investment banking business to improve the quality of small and micro enterprise operators,assist enterprises to enhance product market competitiveness,and improve the company's integrity awareness with relevant departments;from the external environment,put forward the promotion of small and micro enterprise loan intermediary service agencies,transformation and The cooperation model of third-party financing service institutions and suggestions for improving communication and cooperation with relevant departments of local governments.The relevant research and conclusions of this paper on small and micro enterprise loans have certain reference value for the current small and micro credit departments of domestic banks and relevant government regulatory authorities to properly handle the financing difficulties faced by small and micro enterprises,and this paper has passed the small branch of ICBC Yantai Branch.The in-depth study of the business operation mode,risk management mechanism and human resources of the micro-creditdepartment has a good practical significance for the small and micro-credit department of the Industrial and Commercial Bank of Yantai Branch to better carry out related business.