Problems And Countermeasures Of Bank Small And Micro Enterprise Credit Business

Over the years,the proportion of small and micro enterprises in the national economy has become higher and higher,and the state has become more and more important for the development of small and micro enterprises.Especially for the difficulty of financing,the various departments of the State Council constantly discuss and innovate,looking for a new financing model for a small and micro enterprise.Since 2011,as of 2017,various ministries and commissions in China have issued a number of emerging policies and regulations from various angles,which have promoted the development of small and micro enterprises to a certain extent.However,due to various shortcomings of small and micro enterprises,such as the risk of credit,management disorder and single product category,it is difficult to obtain bank financial support.From a budget of the China Banking Regulatory Commission,it is not difficult to find that the current commercial banks cover 100% of the loan funds of large enterprises,90% of medium-sized enterprises,and only 20% of small and micro enterprises.Most small and micro enterprises are financing.In difficult dilemmas,and this problem has not been effectively dealt with.This paper chooses XX Bank as the research object,and uses literature review method,comparative analysis method,case analysis method and other research methods to study the credit business of XX Bank's small and micro enterprises.This paper first expounds the related concepts and theories,then analyzes the current situation of XX bank credit risk management,and diagnoses the problems of small and micro enterprise credit product varieties,business scale,business income and homogenization.On this basis,the reasons for the credit business of XX Bank's small and micro enterprises are explored,including positioning,guarantee,service marketing,technical and institutional conflicts,and low customer management.Then forced to collect and organize the practice of small and micro credit business at home and abroad,and draw corresponding experience and inspiration,and use this as a way to improve the credit business of XX Bank's small and micro enterprises.The main innovations of this paper are three aspects:(1)Combining the actual situation of XX Bank,analyzing the status quo,problem diagnosis and cause analysis of XX Bank's small and micro enterprise credit business,and combining XX Bank's small and micro enterprise credit Business optimization suggestions;(2)Drawing on the experience of small and micro enterprise credit business of many domestic banks,it can provide reference for XX Bank;(3)Combine big data and cloud computing to conduct risk prevention exploration.