Research On Small And Micro Enterprise Credit Product Innovation Of JT Bank Jinhua Branch

Nowadays,the domestic economy is developing at a high speed,and the contribution rate of small and micro enterprises to society is self-evident,but the financial resources it possesses are seriously mismatched with its contribution.This issue has caused widespread concern.At the same time,through the innovation of small and micro enterprise credit products,we can also develop commercial banking financial services,increase bank income,and achieve a win-win situation for banks and enterprises.Based on the development status of small and micro enterprises and the importance of developing small and micro enterprise credit,it has certain theoretical significance and practical value to study the credit product innovation of JT Bank Jinhua Branch for small and micro enterprisesFirst of all,this thesis introduces domestic and foreign research results and related theoretical foundations,among which the theoretical basis includes financial innovation theory,Macmillan gap theory,information asymmetry theory and so on.At the same time,it introduces the experience and practice of Forte Bank and Standard Chartered Bank in credit product innovation and the enlightenment to this article.The enlightenment of this paper mainly includes: enriching credit product system,improving business efficiency,paying attention to risk prevention and control,flexible guarantee mode,and attaching importance to Channel construction,optimization of credit service system,etc.Secondly,it explores the status quo,existing problems and causes of the current small and micro enterprise credit product innovation of JT Bank Jinhua Branch.The innovation of the bank is mainly reflected in the innovation of credit products of small and micro enterprises;the innovation of credit product model for small and micro enterprises;the expansion of financial service channels by using small and micro-batch products;the construction of financial instructors and financial commissioners;the innovative guarantee method And cooperate with local platforms to provide diverse financing options.The existing problems include: small micro enterprise credit product innovation project has small income;small micro enterprise credit product innovation loan business performance is low;small micro enterprise credit product innovation homogenization is serious;small micro enterprise credit product innovation project risk High;high product innovation costs,insufficient pricing power;credit product credit rating system is not perfect.The causes of the problem are: the information asymmetry between banks and small and micro enterprises is obvious;the risk management methods for credit products of small and micro enterprises are backward;the auxiliary means such as computer and network are not perfect;the incentive and evaluation mechanism for credit personnel of small and micro enterprises is flawed.Finally,the corresponding suggestions and guarantee mechanisms for the problems existing in the bank are proposed.The countermeasures include: further enriching the credit product innovation system of small and micro enterprises;improving the dynamic risk management system,reducing the risk of credit product innovation;improving the risk pricing ability of credit products,reducing the innovation cost;improving the credit rating of small and micro enterprises,etc.: Emphasis on establishing product innovation organization guarantee;attaching importance to credit product innovation and service talent protection;attaching importance to product innovation performance appraisal and employee incentive guarantee;information management technology for business management.The high confidentiality characteristics of the bank determine that the data and data of small and micro enterprise credit product innovation are difficult to fully obtain.Therefore,the data in this paper cannot accurately reflect the financing market situation,and it is necessary to continuously explore the practice in combination with practice.