Research On The Development Strategy Of Ronghuitong Micro Enterprise Credit Business Of Q Commercial Bank Under The Background Of "Internet+"

As an important promoter of China's economic development and an important part of China's private enterprises,small and micro enterprises have been facing the situation of "difficult financing and expensive financing" in Banks.Therefore,it is of great significance to solve the problems of poor financing channels and high costs for small and micro enterprises to promote the development of inclusive finance.Urban commercial Banks are the third tier Banks besides state-owned Banks and national commercial Banks.They mainly serve local governments,small and medium-sized enterprises and citizens.Q commercial bank,as one of the representatives of Q city commercial Banks,has been committed to promoting the development of local small and micro businesses.In 2009,Q commercial bank,with the approval of China banking regulatory commission,established a small business credit franchise named "ronghuitong",which provides small and micro businesses with efficient and fast access to small loans.In the same year,Q commercial bank established "ronghuitong" small business credit center,which indicates that Q commercial bank has a solid foundation and platform for the development of small and micro business loans.Since the establishment of "ronghuitong" center,Q commercial bank's stock of small and micro loans and customer balance have increased significantly.In 2016,with the change of the external environment,the strengthening of competition and the rise of P2 P network lending,the credit business of "ronghuitong" small and micro businesses has been affected,and credit risks have gradually emerged.It can be said that under the new normal economic development model,the credit business of "ronghuitong" small and micro businesses of Q commercial bank has to face not only the competition of other Banks,but also the challenges from the Internet financial market.To promote the sustainable development of "ronghuitong" credit business for small and micro businesses is a problem for Q commercial bank to consider.This paper takes "rong huitong" small and micro enterprise credit business of Q commercial bank as the research object,analyzes the development status of Q commercial bank and "rong huitong" business,and expounds the organizational structure,credit policies and management of small and micro enterprise based on this,and analyzes the existing problems in the development process of "rong huitong" small and micro enterprise credit business of Q commercial bank from many aspects,so as to draw the future development strategy of "rong huitong".The research in this paper has certain reference function for the operation practice of Q commercial bank,and it is hoped that the analysis and research in this paper can play a positive role in the development of small and micro enterprise credit business of Q commercial bank.