Research On The Development Of Small And Micro Enterprise Credit Business In Y Branch

At present,China's economy has changed from high-speed growth to a stage of high-quality growth.During the critical period of economic development,As an important force to stimulate the country's economic development,small and micro enterprises is playing an increasingly important role,It plays a leading role in absorbing employment,promoting innovation,stimulating consumption,stimulating investment,and stabilizing the economy.Therefore,the state attaches great importance to the healthy development of small and micro enterprises.Policy documents supporting the development of small and micro enterprises have been issued one after another.Emphasize the need for financial services to the real economy.However,due to the unique characteristics of small and micro enterprises,It still faces serious difficulties in the financing process.Facing the huge market of small and micro enterprises,As the main force for financing loans to small and micro enterprises,commercial banks are the main force.Actively participate in the small and micro enterprise credit business,The competition for small and micro enterprise credit business is becoming increasingly fierce.This paper first summarizes the current financing situation of small and micro enterprises,and points out the difficulty of financing small and micro enterprises in Y city.Based on the perspective of the bank,Y branch is taken as the research object,and the development of the credit business of small and micro enterprises in Y branch is analyzed.Combined with the actual situation of Y branch,it is found that the problems in the development of small and micro enterprise credit business are mainly reflected in the low marketing methods,complex business processes,unreasonable personnel structure,etc.,and explore the causes behind the problems.And adopt a general to individual method,A simple analysis of T's credit case,It is pointed out that there are also these general problems when the Y branch is crediting the company T.Finally,the paper puts forward specific measures to improve the credit business of small and micro enterprises in Y branch,including opening a new marketing situation,constructing a reasonable and efficient credit process,and building a small and micro enterprise credit team for science majors.This also has certain reference significance for other banks to develop small and micro enterprise credit business.