Research On Small And Micro Enterprise Loan Issues Of CD Bank Guangxi Branch

With the rapid development of China's economy,the diversified and hierarchical market structure has gradually formed,and the market management system has gradually improved.In recent years,small and micro enterprises have played an important role in China's market system.It solved the livelihood problem of China's nearly 450 million people and contributed 60%of its GDP.As a name suggests,small and micro enterprises are characterized by small economic strength and far less production scale than large and medium-sized enterprises.However,due to their mobile production and management methods,they have become the most potential part of China's overall economic structure.As the smallest unit of the economic market,it adds a blank to China's economic system and lays a solid foundation for market size and economic growth.Therefore,small and micro enterprises have become an indispensable component of my economic framework.Small and micro enterprises are the new force to promote entrepreneurship,job security and active market.Supporting the development of small and micro enterprise loan business is not only the trend of implementing various regulatory policies,but also the requirement of CB Bank Guangxi Branch's own business transformation.Based on the existing literatures at home and abroad,this paper starts from the related concepts and basic theories,firstly through the theoretical knowledge and practice of the credit needs and characteristics of small and micro enterprises,the current status and existence of the small and micro enterprise loan business of CB Bank Guangxi Branch.The problem is analyzed.It is found that there is incentive mechanism and unreasonable performance mechanism for the development of small and micro-loan business of CB Bank Guangxi Branch;product R&D and design capabilities are lacking;the original credit model cannot meet the loan demand of small and micro enterprises.After analyzing the causes of the problems,the author puts forward the key points of small and micro enterprise cred:it business,finds the market positioning,strengthens the credit product innovation and development ability for small and micro enterprises,strictly controls the credit risk,and strengthens the evaluation incentives for small and micro enterprise loan business.Suggest.The innovation of this paper is to combine theory with practice and has strong operability.I hope that I can provide some suggestions and references for the development of small and micro enterprise loan business by CB Bank Guangxi Branch.