Research On A Bank Of Hunan Branch Reduces Bad Loads In Small And Micro Enterprises

In 2016,since China put forward supply-side reforms,with the adjustment of industrial structure and the transformation of economic structure,the status of small and micro enterprises in the market economy has become more and more important,and as an important factor restricting the development of small and micro enterprises is the financing channels.As one of the financing channels for small and micro enterprises,while vigorously developing small and micro enterprise credit business,the bank itself as the main body should perform corporate social responsibility and support national economy in the process of carrying out credit business for small and micro enterprises.At the same time of construction,risk prevention measures should also be taken to ensure the healthy development of the bank.Based on a brief review of the research literature on small and micro enterprise credit in China,this study adopted the development status of small and micro enterprise credit business of Bank A of Hunan Province,and small and micro enterprises.The current situation of non-performing loans is analyzed,It points out the causes of its non-performing loans,including macroeconomics,the impact of national policies,and the impact of technological advances in the Internet,as well as the management and management of small and micro enterprises as well as the lack of banking risk prevention and business management.Subsequently,through the analysis and comparison of the three relatively successful banks of small and micro enterprises in the world:Wells Fargo Bank of America,Kaitai Bank of Thailand,Grameen Bank of Bangladesh,analyzing the characteristics of its success and combining its successful experience with A Bank of Hunan Province.The Bank started to reduce non-performing loans from four aspects:strengthening loan risk management,using credit information systems,small and micro enterprise finance and service innovation,and disposing of non-performing assets.It aimed to reduce the non-performing loans of small and micro enterprises and put forward relevant countermeasures and suggestions.