The Problem Of Small And Micro Businesses Loan In Chongqing Z Bank And Research The Countermeasures

In recent years,China's economic growth has slowed markedly,and it is urgent to find new economic growth points to support the development of the national economy.As one of the important components of the national economy,small and micro enterprises have great influence.It affect the market and economy as well as the great inclusive of talents.Therefore,vigorously developing inclusive finance and fully supporting small and micro enterprises will be the focus of the country for a long time that not only in the past few years,but also in the future.As one of the institutions directly dealing with small and micro enterprises,commercial banks will directly influence the overall development of small and micro enterprises in our country.The main content of the study is under such premise,this paper is supported by the relevant theories of commercial bank loans.Through the analysis of the market occupancy,service efficiency,organizational structure,product innovation and loan security status of Chongqing Z Bank's small and micro enterprise loans,the main problems of the existing small and micro enterprise loans of Chongqing Z Bank are found,and the causes of the problems are discovered.And the impact,on this basis,put forward relevant countermeasures and suggestions.The main conclusion of the study is that the prominent problems of Chongqing Z Bank's small and micro enterprise loan business mainly exist in the following: commercial banks have insufficient security for small and micro enterprise loans,insufficient service levels and insufficient product competitiveness.Three major aspects of the problem: in the enterprise,the internal management is not standardized,the enterprise is less pledge and less risk-resistant;in the government,the national policy is contrary to the bank's profitability,the society lacks a perfect credit system,and the city There is a lack of convenient information sharing platform;in the banking sector,the products are not sufficiently "special",the credit process is not compatible with the development of small and micro enterprises,the financing cost is too high,the types of small and micro enterprise loans are high,and the existing small and micro enterprises are franchised.Institutional coverage is incomplete.Therefore,to better develop the Chongqing Z Bank small and micro enterprise loan business must be carried out in three aspects of enterprises,government and banks.After combining the relevant theories and practices and comprehensive analysis based on the problems and reasons,this paper proposes seven strategies to support the sustainable development of small and micro enterprise loans in Chongqing Z Bank.they are to improve the relevant structure and management system of bank micro-enterprise loan,credit product innovation,improve the efficiency of relevant staff,and creat perfect credit information system,strengthen cooperation with other institutions,strengthen risk management and control,and strengthen the construction of small and micro enterprises themselves.It is hoped that the research in this paper can help the problems of small and micro enterprise loan products of commercial banks,and provide suggestions for further optimization of commercial banks.