Research On Credit Business Of Small And Micro Enterprises In X Center Of Bank C

As an important part of China’s market economy,small and micro enterprises are also an important driving force for China’s economic growth.The development of small and micro enterprise has played an irreplaceable positive role in improving GDP growth,providing employment opportunities and optimizing allocation of resources.Since the reform and opening up,especially in recent years,small and micro enterprises have developed very rapidly.By the end of 2017,the number of legal persons in small and micro enterprises is close to 28 million and that of individual businesses in China is around 62 million.However,for a long time,they have faced such problems as financing difficulties and high financing expenses.Firstly,from the aspects of its development scale,government’s policies,forms of macro economy,this paper expounds the importance of studying the credit businesses of small and micro enterprises,and elaborates the importance of the development of small and micro enterprises Combined with the dilemma of financing difficulties and financing expense,the importance of researching the business of small and micro enterprises is discussed from two aspects.Secondly,this paper sorts out the literature on the research of small and micro enterprise credit businesses,including foreign research and domestic research.The study found that the research on small and micro enterprise credit financing mainly focuses on three aspects: the first is the status quo of small and micro enterprises financing;the second is the reason for the dilemma of small and micro enterprise financing(information asymmetry,commercial bank risk control,defects in the development of small and micro enterprises);the third is the solutions to improve the financing situation of small and micro enterprises,mainly to actively carry out cooperation between small banks and small and micro enterprises,to develop relational loans,and to broaden financing channels for small and micro enterprises.Thirdly,this paper sorts out the theories about small and micro enterprises credit businesses,including information asymmetry theory and credit rationing theory.After that,this paper has made a detailed analysis of the credit businesses of small and micro enterprises in X Center of bank C,and find out the main problems existing in the credit businesses of small and micro enterprises in X Center of bank C.First,risk exposure is exposed,what makes business development blocked;second,risk control awareness is weak,and risk identification capability needs to be improved;third,the business management process is cumbersome,what reduces enthusiasm;fourth,the long process in recovery and disposal of the non-performing loans(NPL)drags down marketing and outreach efforts.Then,this paper analyzes the operating environment of the small and micro enterprises’ credit businesses in X Center of bank C,and concludes that the overall economic environment of small and micro enterprise credit businesses is promising,but it is still faced with increasingly downward pressures on economy growth,adjustment of industrial structure and increased competitive pressures on peers and emerging Internet financial platforms.Finally,this paper proposes four improvement measures for the problems in X Center of bank C: the first is to select customers,to develop internet finance and bulk businesses;the second is to strengthen risk control awareness and to enhance risk identification ability;the third is to optimize the system to realize online business process;the fourth is to integrate resources and to establish centralized management of non-performing assets.The suggestions presented in this paper are more practical and also applicable to other financial institutions.I hope this article can provide some references for the urban commercial banks,rural commercial banks and non-bank financial institutions in other areas of our country to develop credit businesses for small and micro enterprises.