Research On Credit Business Process Optimization Of Small And Micro Enterprises In JT Bank Jiangsu Branch

As the development of financial market economy,the number of small and micro enterprises is increasing progressively in order of magnitude.At the same time,its quality is becoming more and more important in the national economy system.In order to get in on the ground floor in the international economic competition and to gain rapid promotion of China's comprehensive national strength,we must vigorously promote the establishment of the small and micro enterprises.Also we must support the development of the small and micro enterprises conforming to the times.The country has promulgated a number of preferential policies for fiscal and taxation for small and micro enterprises.At the same time,it plans to build parks in areas so that small and micro enterprises can germinate and converge in batches.In addition,the domestic banking industry also shifts its focus to the financing needs of small and micro enterprises.It creates a smoother benign path for small and micro enterprise financing by formulating new policies and improving operational processes.Therefore,this article focuses on the financial institution's credit business processes for small and micro enterprises,taking NJJT Bank as the background,puts forward some suggestions in the process optimization.This paper first introduces the background and significance of this study.Through literature review at home and abroad,this paper clarifies domestic and foreign scholars' viewpoints on the optimization of credit business processes for small and micro enterprises.Then,taking the domestic JT Bank with state-owned background and private joint-stock as an example,elaborate its status of small and micro enterprise credit business development.Next,analyze the problems that JT Bank faces in the process of small and micro enterprise credit businesses.Through the analysis of the problems and the actual situation of small and micro enterprise credit of JT Bank,put forward the optimization suggestions in the credit process.Finally,against a series of difficulties,provide the corresponding safeguard measures in practice.