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Research On The Financing Of Small And Micro Enterprises Supported By JN Bank

Posted on:2019-01-20Degree:MasterType:Thesis
Country:ChinaCandidate:W Y ZhangFull Text:PDF
GTID:2439330575453574Subject:Business Administration
Abstract/Summary:PDF Full Text Request
In today's economic society,small and micro enterprises play a decisive role.The development of small and micro enterprises can promote employment,promote technological innovation,activate the market economy,and improve people's living standards.Due to the small scale,weak risk resistance and incomplete information disclosure of small and micro enterprises,there are some problems that need to be solved for banks to support the development of small and micro enterprises with credit.In recent years,the financing of small and micro enterprises has been continuously noted,and has become an important issue of great concern to the country.The importance and necessity of supporting the development of small and micro enterprises have also been emphasized at national conferences.At the same time,JN Bank,as a local commercial bank,will support the development of small and micro enterprises as a powerful guarantee to enhance competitiveness,increase market share,and obtain operating profits in order to develop itself,with the help of its unique operational and strategic advantages.Therefore,as a local commercial bank,how JN bank can do something to support small and micro enterprises and reduce the risk,the problem of both needs to be solved urgently.This paper takes JN bank to support small and micro enterprises financing as the research object,starting from the current business situation,through the JN bank to support small and micro enterprises financing and other types of financial institutions to support small and micro enterprises development model comparative analysis,with specific data and cases,combined with the actual jurisdiction,analysis of its financial services in small and micro enterprises encountered.Difficulties and problems such as information asymmetry between banks and enterprises,low product innovation ability,etc.Drawing lessons from other banks'advanced experience and practices,such as Qilu Bank's support for small and micro enterprises,combining with local conditions,from the external environment,small and micro enterprises themselves and the internal management of banks and other levels,this paper puts forward innovative bank credit management system,innovative credit products,strengthen cooperation with non-bank financial institutions and create a good external environment.Four measures to support small and micro enterprises are put forward.This is not only conducive to the transformation and development of JN banks themselves,but also conducive to improving the financing environment of small and micro enterprises in the current JN area,supporting the development of real economy.
Keywords/Search Tags:Local commercial Banks, Small and micro enterprises, Financing, Service innovation
PDF Full Text Request
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