| Small and micro enterprises are important carriers for implementing mass entrepreneurship and innovation,and have an irreplaceable role in increasing employment,promoting economic growth,technological innovation and social stability,and have important strategic significance for the development of the national economy.However,due to the external macroeconomic environment and the inherent disadvantages of their own conditions,the credit support that small and micro As an important economic entity in China,small and micro enterprises have an irreplaceable role in increasing employment,social stability,technological innovation and economic growth,and have important strategic significance for the development of the national economy.However,due to the external macroeconomic environment and the inherent disadvantages of their own conditions,the credit support that small and micro enterprises can obtain in the financial market tends to be relatively low.A Bank is a local small and medium-sized bank established in March 2009.It has always been committed to providing financial services to farmers,small and micro enterprises and local towns and villages under its jurisdiction.In June 2013,Bank A established the Micro-Loan Business Unit,which introduced an evaluation technology for small and micro enterprise loans to provide loans to eligible small and micro enterprises within its jurisdiction.This paper combines the empirical analysis of the “start-up loan” products of Bank A's application of IPC micro-loan technology,and summarizes the analysis of the status quo and analysis of the shortcomings of A-bank's application of IPC micro-loan technology for small and micro-enterprise loans,and attempts to propose small and micro enterprise loans.Evaluation of optimization recommendations,including IPC micro-loan technology-level optimization recommendations,industry-level optimization recommendations,country-level optimization recommendations... |
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