Research On Credit Business Development Of Small And Micro Enterprises Of J Bank

Small In recent years,the domestic economic situation has been stable with some changes,and the real economy has shown a weak trend.As an important part of the real economy,small and micro enterprises play a crucial role in the development of China's economy and make great contributions to stabilizing employment and increasing tax revenue.Relevant government departments have also introduced policies to address the difficulty and high cost of financing for small and micro businesses,and to support the development of small and micro businesses.For commercial Banks,relying on large enterprises,monopoly profits growth of gold period has become the past,commercial Banks should adapt to the present economic situation,the initiative to undertake the mission of support the development of the real economy,it is not only the key to solve small micro enterprise financing difficulties,and transformation and upgrading of commercial Banks,and the need of sustainable development.This paper adopts literature research method and case analysis method to study the development of small and micro business credit business of J bank.The full text is based on the development status of J bank small and micro enterprise credit business,existing problems,the causes of the problems,and how to solve the problem of research ideas.This paper first elaborated the research background and significance,reviewed the domestic and foreign literature,and introduced the research ideas,research methods,research content and research innovation.It also studies the theory of small and micro credit and points out the necessity of developing small and micro credit business.Secondly,it introduces the current situation of J bank' small and micro credit business in detail,and points out that the main problems of J bank'small and micro credit business are the small scale,single credit products and low service efficiency.The causes of the above problems are analyzed.Next,it explores other Banks' practices in the development of small and micro credit business from the perspectivesofexhibition path and businessprocess,andobtains enlightenment.Finally summed up the J bank small and micro business credit business development countermeasures:first,in the overall scale.To improve the risk management system,improve the internalincentive mechanism,expand the access to information channels;Second,in the realization of the diversification of credit products.To innovate small and micro credit business products,give full play to the advantages of full license;Third,to improve the efficiency of small and micro customer service.To achieve differentiated classification management mechanism,optimize the creditprocess,improve the efficiency of approval.This study has important reference significance for solving the financing difficulties of small and micro enterprises,constructing the sustainable development system of small and micro credit business of commercial Banks,and promoting the transformation and upgrading of commercial Banks.