Study On The Operation Model Of The Small Enterprise Credit Business Of Hainan Branch,Postal Saving Bank Of China

With the increasing contribution of small and micro enterprises to the national economy,the financing difficulties and high cost of small and micro enterprises have also been concerned by all parties.As far as small and micro enterprises are concerned,their difficulties of financing mainly include fewer loan application channels,strict application conditions,inefficiency of loan approval,and small loan quota,etc,when they apply loans from banks.It is of great significance for the PSBC(Postal Savings Bank of China),as a large state-owned bank whom insist financial inclusion as its operation philosophy,how to better serve the real economy by using financial technology to upgrade the traditional small enterprise credit business operation mode with the purpose of solving the financing difficulties of small/micro enterprises.The paper firstly reviews the development process of the HN Branch's small enterprises credit business.And then analyzes the development status and management mode of this work.According to the research,we found that the factors restricting the development of the small enterprise credit business in HN Branch,PSBC,mainly include inefficiency operation,institutional disharmony,simple marketing system,unprofessional workforce,and limited ability to resist risk.In order to solve these problems,based on the creative practice of small and micro enterprise credit model of domestic and foreign commercial banks,the paper proposes the two-wheel drive model of "Big Data+Credit Factory" as an improvement scheme for the small enterprise credit business of HN Branch,PSBC.Firstly we should create a big data information processing platform to drive the development of the business.That is to say,by integrating and linking the internal and external information of small enterprises,and empowering information processing platform with big data technology,we should optimize and upgrade the business such as target customer screening,risk control,product innovation and customer management.Secondly we should build an intelligent "Credit Factory" to improve the overall efficiency of service processing.The"Credit Factory"helps us reduce operating cost by carrying out on the flows of effective loan applications in quantities.The last one is to regulate and optimize the organizational structure and business process of the small enterprise finance to match the "Big Data+Credit Factory".Finally,the paper still puts forward advises to optimize the model of "Big Data+Credit Factory".Such as risk management,product innovation,integrated marketing and personnel training.We hope these measures could promise a healthy and rapid development of the small enterprise credit business in HN Branch,PSBC.