Research On The Development Of SME Loan Business Of Yangzhou J Bank

With the continuous development of small and medium-sized enterprises,it has accounted for more than 98%of the total number of enterprises in China,and has become an important part of China's economy.However,small and medium-sized enterprises face many problems in the development process.The most common problem is financing difficulties.Up to all levels of government,down to the major banks are actively making efforts for the development of small and medium-sized enterprises.Yangzhou J Bank has fully recognized the importance of vigorously developing the loan business of small and medium-sized enterprises.On the onehand,the promotion of small and medium-sized loan business is an urgent need and strategic direction of the state and the government.As a state-owned joint-stock commercial bank,J Bank needs to implement these policies.On the other hand,promoting small and medium-sized loan business is also the pursuit of diversified service targets by J Bank.Space,an important way to build your own brand.This paper first expounds the theoretical basis,mainly explains the concept of small and medium-sized enterprises,life cycle theory,and customer relationship management theory,and lays the theoretical foundation of this paper.Secondly,through analysis and research on the development status of Yangzhou J Bank's SME loan business,it is concluded that the bank has made efforts to expand the business scope of small and medium-sized enterprises and improve the relationship between banks and enterprises.However,the following problems still exist:unclear business positioning,unreasonable product design,less service channels,inefficient business processing,and low employee enthusiasm.There are many reasons for the above problems,including the impact of national policies,the shortcomings of the bank's own system,and the constraints of small and medium-sized enterprises' own business problems.For the above problems and reasons,this paper will improve the development of Yangzhou J Bank's small and medium-sized enterprises loan business.It is mainly divided into five aspects;one is to clarify business positioning and increase resource input;the second is to optimize management and improve business handling efficiency;the third is to improve the assessment mechanism and motivate employees;the fourth is to improve the status of information asymmetry;the fifth is to promote online lending business.Based on the analysis of this paper,it can promote the improvement of small and medium-sized enterprises loan business.In the process of development,Yangzhou J Bank is constantly improving its internal management mechanism,completing various strategic deployments of small and medium-sized enterprises loan,promoting the development of small and medium-sized enterprises loan business,and making due contributions to Yangzhou's economic development.