Innovation Research On Small And Micro Enterprise Loan Business Of China Merchants Bank

In recent years,with the proposal of "public entrepreneurship and innovation",small and micro enterprises have become one of the main forces to promote China's economic development.The problem of "funding difficulties and financing" for small and micro enterprises has always been the concern of the state and society.Hot Issues.At the same time,China Merchants Bank has always been the industry benchmark in joint-stock commercial banks.This paper's innovative research on China Merchants Bank's small and micro enterprise loan business not only improves the innovation of China Merchants Bank's own business,but also controls the credit risk of small and micro enterprises.It is of great significance to promote small and micro enterprise credit market and promote small and micro enterprises to become independent innovation entities,and then promote China's economic restructuring,industrial upgrading,full employment,and maintain social stability,and to small and micro enterprises of other joint-stock commercial banks and small and medium-sized commercial banks.The transformation and development of the loan business also has certain reference significance.Based on the analysis of the current situation of China's commercial banks and China Merchants Bank's small and micro enterprise loan business,this paper draws the favorable conditions and constraints of China Merchants Bank's innovation.The innovation of small and micro enterprise loan business is inevitable for interest rate marketization and financial disintermediation choice,the only way to transform under the fierce competition of the same industry and the challenges of Internet finance.Through the case analysis of China Merchants Bank's small and micro enterprise mortgage loans,the introduction of the long-term plan of credit analysis,loan program,cross-selling and post-loan,introduced the post-loan process of China Merchants Bank's characteristic product "business loan".It also summarizes the innovative performances of China Merchants Bank in the four aspects of small and micro enterprise loan business.One is to expand the channels for obtaining customers;the second is the construction of a professional team,the inclusive financial professional service team established under the guidance of the development of national policies.;thirdly,from 2012 onwards,gradually build a complete "credit factory" model,realize "one central batch of China",improve the efficiency of approval in small and micro enterprise loan business and promote data management and risk.Dynamic monitoring;Fourth,in 2014,it launched online big data credit products,realizing the integration of big data and cloud computing in traditional business,improving customer experience and creating a light retail credit model.Based on the analysis of the factors and problems in the innovation of small and micro enterprise loan business of China Merchants Bank,combined with the innovative experience of relevant small and micro enterprise loan business at home and abroad,it proposes to further strengthen the innovation of China Merchants Bank's small and micro enterprise loan business.Initiative.First,in the marketing model,we must continue to establish mass marketing,continue to develop clustered marketing and get customers to conduct batch credits;second,in order to prevent customer loss,in the assessment mode,customer management,customer return visit strategy,differentiated stock customers continue Adjustments in terms of loan strategy and settlement;third,strategic requirements in risk management,continuous improvement of high-risk loans and cash collection and risk pricing;Fourth,in terms of product innovation,including guarantee methods,pricing methods,Cooperation with third-party platforms,improvement of online big data products,etc.;fifth,innovation in processes,with the goal of continuously improving customer experience;sixth,innovation in services,through the development of innovative "small micro app",With business assistants,business exhibitions,business stories and other projects as the entrance,we will create a small micro-ecological circle,so that small and micro-enterprise owners can get more help in addition to loans,and improve the dependence of small and micro-enterprise owners on China Merchants Bank.