Research On The Credit Model Innovation Of Commercial Banks Serving Small And Micro Enterprises

As an important part of the real economy,small and micro enterprises play a vital role in promoting economic growth,improving people's livelihood and expanding employment.At this stage,many small and micro enterprises have strong development momentum under the strong support of the state,but a series of problems such as financing difficulties and financing are always restricting the development of small and micro enterprises.The report of the 19 th National Congress pointed out: "To build a modern economic system,we must focus on the development of the economy on the real economy." The return of financial services to the real economy is not only the need of modernization,but also the requirements of its sustainable development.Therefore,commercial banks optimize service structure,innovative service models,and help the healthy development of small and micro enterprises have become a major issue facing financial practitioners.Based on the basic theory of finance and the requirements of commercial bank credit management,this paper analyzes the credit model innovation theory in detail.Through the analysis of the status quo of China's commercial banks serving small and micro enterprises,this paper analyzes the credit models of small and micro enterprises at home and abroad,and summarizes the innovation experience of foreign credit models.Then,from the three aspects of credit subject,commercial bank and external financing environment,the factors affecting the credit service of small and micro enterprises in commercial banks are explored.On this basis,from the reality of China Merchants Bank's credit business,it conducts research on its strategic positioning,organizational structure,credit product services,business processes,credit approval and risk management system,and in-depth summary of successful experience.By studying the ways and methods of serving small and micro enterprises,combined with case analysis,this paper summarizes the realization path and development mode of small and micro enterprises in commercial credit services,and finally puts forward some countermeasures and suggestions for innovative commercial banks to serve small and micro enterprises.Through a series of measures such as improving the organizational operation structure,intensifying service innovation,strengthening credit risk management,strengthening credit team construction,strengthening credit investigation system construction,improving the credit guarantee system,and improving the policy and regulation system,we can innovate the credit model of commercial banks and promote the healthy development of small and micro enterprises.