Research On The Development Strategy Of Small And Micro Enterprise Credit Business In F Rural Bank

The development of small and micro enterprises has a great role in promoting macroeconomic stability and prosperity.From the volume point of view,according to the data of the International Finance Corporation,the business opportunities of small and micro finance even exceed the business of capital management.Therefore,the financing of small and micro enterprises has been concerned by the theoretical and practical circles.Because of the unbalanced cost and income in the process of bank lending to small and micro enterprises,that is,the cost is too high and the income is relatively low,the credit business of small and micro enterprises has been developing slowly for a long time.With the improvement of domestic financial market opening level and the development of financial science and technology,the daily development of bank credit business needs to cope with more fierce competition.Some commercial banks have already transformed their credit business first,and gradually inclined the credit business to the credit of small and micro enterprises.They have gained some excellent experience in exploring and developing the credit business of small and micro enterprises.As a small bank in backward areas,it is necessary for F village and town banks to actively adapt to the social and economic situation,learn from advanced experience,find new goals in credit business,and find a suitable market for its development,that is,credit business of small and micro enterprises.This study draws lessons from relevant theories,probes into F village banks,analyses the operation of their micro-credit business,and puts forward suggestions for the development of micro-credit business by drawing lessons from excellent experience and practices at home and abroad.The article can be divided into four big modules and six chapters.The first module introduces the introduction and research theory of this paper,clarifies the background and significance,summarizes the research conclusions at home and abroad at this stage,clarifies the concept and characteristics of small and micro enterprises,introduces the relevant theoretical basis of small and micro financing,and analyzes the reasons for the financing difficulties of small and micro enterprises.The second module focuses on exploring the operation level of micro-credit in F village banks,and through the analysis of real cases,clarifies the importance of micro-credit in F village banks,and the shortcomings in the operation of micro-credit.The third part summarizes the experience of small and medium-sized commercial banks in developing small and medium-sized enterprises' credit business,including Taizhou Bank,Mintai Bank and Harbin Bank.The fourth part combines the above research and analysis,puts forward the development strategy of small and micro enterprises credit business in F village bank and draws a conclusion.