Research On Loan Business Development Of Small And Micro Businesses Of Agricultural Credit Institutions

At present,the number of small and micro enterprises in China is numerous,and the value is becoming more and more obvious.It is not only an important basis for the sustained and stable development of China's economy;Moreover,it has made outstanding contribution to the employment problem and is the main channel to provide employment for residents.However,in contrast to this,small and micro businesses generally have a“macmillan gap”in financing,which hinders the deep development of small and micro enterprises.As a local financial institution,the agricultural trust institution has a perfect fit with the local economic development and has some advantages in the development of small and micro enterprise loan business.However,the loan business of small and micro businesses of agricultural credit institutions can only alleviate the problem of financing difficulties of small and micro enterprises.The reason is that small and micro enterprises are born with many defects such as small scale,management confusion and opaque financial information,leading to the deadlock of“reluctance to lend and fear of loan”.Therefore,in order to completely solve small micro enterprise financing difficulties and regional Banks reluctant to lend “fear is borrowed the dilemma”,it is necessary for its organization in the development of small micro enterprise loan business delve into,for its institutions and the development of small micro enterprises has important theoretical research and practical guidance.This article will choose Wen Ling,ZheJiang rural commercial bank as an example,in combination with the domestic and foreign,on the basis of related references and theories,and using the literature research,summarizes the induction,case analysis to the bank in the development of small micro enterprise loan business to delve into the problems and countermeasures.Firstly,the paper analyzes the external environment of the loan business of small and micro enterprises in wenling rural commercial bank,and studies its feasibility in the development of small and micro enterprise loan business.Secondly combing possessing rural small micro enterprise loan business of commercial bank internal environment,its small and micro enterprise loan business development present situation,analyzed in possessing rural commercial bank small micro enterprise credit micro,small and medium enterprises,Banks,the tripartite main problems existing in the respective government.Finally this article through to the domestic and foreign well-known financial institution when carry out small enterprise loan business experience for reference,and combining with possessing the actual situation of the rural commercial bank,for the development of small micro enterprise loan business to provide some Suggestions,such as innovative small micro products and services,improve the credit management mode,strengthening risk management mechanism,creating a favorable external environment,such as countermeasures and Suggestions,to promote the rural possessing small micro enterprise loan business of commercial bank in a steady development.