Research On The Development Of Small And Micro Enterprises Loan Business Of Commercial Banks

Small and micro enterprises are the pillar of the national economy,and our government has always paid great attention to the financing of small and micro enterprises.In 2017,the People's Bank of China again proposed that financial institutions should improve the financial services of small and micro enterprises in an all-round way,focusing on lending to small and micro enterprises under 5 million yuan.Under the guidance of government policy,the credit business of small and micro enterprises of commercial banks in China has entered a new period of development.However,there are also some problems in the credit business of small and micro enterprises,which directly affect the future development of the credit business of small and micro enterprises.In view of this,this paper takes Bank C as an example to study the credit business development of small and micro enterprises in commercial banks.In the process of research,the paper adopts many research methods,such as literature review,case study,field investigation,qualitative analysis and so on.The purpose of this paper is to combine the characteristics of small and micro enterprises to construct micro-credit business in line with the actual situation of small and micro enterprises,to improve the current difficulties of small and micro enterprises in borrowing and financing,and to promote the monitoring and development of credit business of small and micro enterprises.The paper considers that the financing difficulty of small and micro enterprises is a common social phenomenon.Under the new market environment,commercial banks should change their concepts and gradually pay more attention to the credit business of small and micro enterprises.Commercial banks should start from many aspects in the development of credit business of small and micro enterprises.They should not only pay attention to the optimization of business process and credit evaluation system,but also pay attention to the innovation of product business and risk management of credit business.This paper finds that our government has always attached importance to the development of small and micro enterprises,and has been actively guiding commercial banks to participate in the development of small and micro enterprises credit business.Although the credit business of small and micro enterprises of commercial banks in China has been standardized in recent years,and the total amount and types of credit business investment of small and micro enterprises have been enriched,the credit business of small and micro enterprises still has high default rate of loans,small amount of bank loans in small and micro enterprises financing,great difficulty in enterprise credit evaluation and enterprise risk resistance ability.Poor strength,lack of collateral and other issues.This paper argues that the development of micro-credit business in commercial banks should be carried out from four perspectives:optimizing business processes,optimizing credit evaluation system,innovating products and implementing comprehensive risk management strategies.