Development Status And Problems Of Small And Micro Enterprise Loan Business Of Hefei Science And Technology Rural Commercial Bank

For a long time,commercial banks have mainly made profits through deposit and loan spreads,while large and medium-sized enterprises have become the main target targets in commercial bank loan business,and small and micro enterprises account for a relatively small proportion.However,in recent years,the domestic economic situation has often been unstable.Coupled with the increasingly fierce competitive environment of commercial banks,it has become more and more difficult for commercial banks to expand large and medium-sized enterprises,and the growth rate of profits has fallen sharply.Therefore,commercial banks are urgent.Business transformation is needed to find new sources of profit.The number of small and micro enterprises in China is huge,and the demand for funds is also quite large,but it has never been paid attention by commercial banks.On the other hand,small and micro enterprises have played a pivotal role in the development of China's economy,and have made tremendous contributions in reducing unemployment,raising taxes,and promoting GDP growth.Therefore,the central bank has repeatedly proposed policies to support the development of small and micro enterprises,hoping to drive economic development.For example,for different banks,small and micro enterprises will be targeted for reduction,technology-based small and micro enterprise loan interest rates will be reduced,small and micro enterprise loans will be expanded,and various guarantee methods for small and micro enterprise loans will be provided.Therefore,in this context,commercial banks have gradually turned their attention to small and micro enterprises and actively implemented policies to support the development of small and micro enterprises.In this process,commercial banks and small and micro enterprises have achieved a win-win situation.Commercial banks have also opened up new sources of profit while promoting the development of small and micro enterprises.However,there have also been many serious problems in the development process.For example,when some commercial banks face competition,they deliberately pursue the growth of the "quantity" of small and micro enterprise loan business,blindly expanding the number of small and micro enterprise customers,and neglecting The improvement of the "quality" of small and micro enterprise loan business has led to a large increase in bank bad debts,which has affected the bank's operating profit.Other commercial banks have experienced inadequate risk control measures and insufficient credit approval procedures in the development of small and micro enterprise loan business.The credit products are not innovative enough,and the credit process is not simple enough,which has affected the development of small and micro enterprise loan business.In this context,this paper takes Hefei Science and Technology Bank as the research object.It aims to analyze the problems that the bank has in the development process and how to develop problems in the future.Based on the above purposes,this paper first introduces the development of Hefei Science and Technology Bank's small and micro enterprise loan business,in order to have a general understanding of the bank,and then analyze the advantages of the bank's small and micro enterprise loan business development.Includes internal and external advantages.Then it focuses on the problems that the bank has in terms of customer structure,credit products,service channels,credit risks,etc.,and then analyzes the problems and summarizes the reasons.Next,this paper takes the Wells Far Company and the domestic Minsheng Bank as examples to analyze their advantages in developing small and micro enterprise loan business and the experience of Hefei Science and Technology Bank.Finally,in combination with the actual situation of Hefei Science and Technology Bank,several targeted countermeasures are proposed in terms of business,talent,market,risk and process.Through the research of this article,I hope to provide some value to the future development of small and micro enterprise loan business of Hefei Science and Technology Bank,and at the same time bring some reference to other commercial banks.