Study On Optimization Of Small And Micro Credit Business Of XH Rural Credit Cooperative

Small and micro businesses are a vital force for national economic and social development,an important support for expanding employment and improving people's livelihood,and an important source of new economic drivers.However,problems such as difficult financing,expensive financing,poor financing availability and single financing channels hinder the development of small and micro enterprises,and have a negative impact on China's industrial transformation and upgrading,and the improvement of comprehensive strength.Rural credit cooperatives stick to the market positioning of "supporting agriculture,supporting small and micro enterprises".Rural credit cooperatives are closely related to small and micro enterprises.Therefore,rural credit cooperatives have incomparable advantages over other commercial Banks in developing small We Chat business.As a large-scale local financial institution in P city,XH rural credit cooperative takes serving agriculture,rural areas and farmers as its mission,gives full play to its advantages in understanding the local market,continuously adjusts the credit structure,and fully supports the development of local private enterprises,small and micro enterprises and "agriculture,rural areas and farmers".New normal in the current economy,the competition under the new situation,the rural credit cooperative innovation development,transformation,XH to solve P,small micro enterprise financing difficulties,financing expensive problem,promote rural credit cooperative credit business XH sustained,healthy and rapid development,improve the credit risk control ability,XH decided to introduce a small micro credit cooperatives management pattern,in July 2016 set up small micro credit center,practicing "power small,loan move dream" service concept.Since its establishment,the small and micro credit center has made good achievements,but the existing problems also need to be solved urgently.Especially in recent years,in the face of the overall complex and severe macroeconomic situation and economic downturn,the competition in the small and micro credit market of P city has intensified,and the development of small and micro credit business of XH rural credit cooperative is not optimistic.This paper first analyzes the current situation of small and micro credit business of XH rural credit cooperatives in terms of the basic situation of small and micro credit center and the development of small and micro credit business.It also sorts outthe development situation of small and micro credit business of XH rural credit cooperatives from several aspects such as credit products,credit business process and business supporting system.Secondly,the development status of small and micro credit business in credit products,business processes,supporting systems to explore the problems of small and micro credit business.Then,the reasons for the problems in XH rural credit cooperative's small and micro credit business are analyzed.Finally,combined with the actual situation of XH small micro credit cooperatives center,draw lessons from the successful experience of the banking industry of small micro credit business from a product,business process,supporting mechanism three aspects to optimize the scheme of the design,hope optimization design can improve the XH small micro credit cooperatives business service level and quality,improve work efficiency,improve the bearing capacity of the small credit business and processing ability,enhance the X small micro credit business market competitiveness,rural credit cooperatives to the further development of XH small micro credit cooperatives provide a good opportunity.