A Study On Development Strategy Of Credit Business For Small And Micro-Enterprises Of YC Commercial Bank

With the increasing number of small and micro enterprises,their economic status is also constantly improving,and their position in our national economy has developed to an important position.In recent years,small and micro enterprises not only create a lot of production value for our national economy,but also provide a lot of employment opportunities for the society.Therefore,the development of small and micro enterprises has attracted the attention of the government and major commercial banks.At this stage,the loan problem of small and micro enterprises is still not satisfied.Local commercial banks should actively take advantage of their respective advantages to provide financial services for small and micro enterprises and help them develop and grow.With the continuous growth of small and micro enterprises,they can also use the financing services of small and micro enterprises to establish a unique business model and improve their competitiveness.However,the development path of small and micro enterprises is bumpy.Most of them have a short life cycle.After a short period of development,they face bankruptcy and disappearance.Of course,there are many reasons for the development of small and micro enterprises,but the biggest problem is the lack of funds and financing difficulties.This problem has always been the bottleneck restricting the development of small and micro enterprises.Even in today's developed countries,facing the credit services of small and micro enterprises,many problems need to be solved.In order to encourage the development of small and micro enterprises,the national government has also issued a series of relevant measures on the development of small and micro enterprises,and actively encouraged commercial banks and local banks to support the development and growth of credit business of small and micro enterprises.At this stage,commercial banks are also actively launching some special features for the financing needs of small and micro enterprises,and specially designed according to their own conditions.Credit products for small and micro enterprises.In view of this,this paper takes YC Bank as an example,taking the financing difficulties of small and micro enterprises as the starting point,to analyze the current situation of the credit business of small and micro enterprises carried out by YC Bank.Firstly,the paper will analyze the importance of the development of micro-credit business by commercial banks in China,explore the credit model of small and micro-enterprises by commercial banks,and SWOT analysis of the advantages and disadvantages,opportunities and challenges of the development of small and micro-enterprises.Then,based on theadvanced experience of developed countries,this paper analyses how the commercial banks in our country bring the credit business of small and micro enterprises into the strategic level,and how to develop the credit business of small and micro enterprises to be active.On the basis of the above,this paper puts forward a series of policy recommendations and opinions to improve the financial services of small and micro enterprises in commercial banks,so as to better and more effectively promote the healthy development of commercial banks and small and micro enterprises.