Research Of Small And Micro Credit Business Development Of Z Rural Bank

Although the scale of small and micro enterprises is limited,from a holistic point of view,it has a great effect on the stability and development of the macro economy.In the case of insufficient start-up capital and insufficient preparation conditions,it is necessary to choose to establish a small and micro enterprise.At present,there are a large number of small and micro enterprises in my country,and the development prospects are promising.Especially after the financing methods of this type of enterprise are diversified,private lending and internal fund raising with flexible terms and simple procedures can be used in the corporate financing process.Therefore,the sources of development funds for small and micro enterprises are becoming more diverse,but bank loans are still the most common form.However,the high audit threshold of banks has made some small and micro enterprises prohibitive and turned to other forms of borrowing with higher interest rates.At the same time,from the point of view of the bank,although the strength of small and micro enterprises is not as large as that of large enterprises,its large number can be developed into long-term customers.It is difficult for large commercial banks to take this step to change,but some small and medium-sized commercial banks have already targeted the small and micro enterprises' lending market,and are gradually tilting their credit business toward small and micro enterprises.After several years of development,these advanced small and medium-sized banks have accumulated many outstanding experiences in the credit business of small and micro enterprises.Among them,village and township banks,which are small and independent banks that support agriculture and agriculture,as typical representatives of small and medium-sized banks,have many advanced experiences in the credit business of small and micro enterprises.This article takes the village bank of Z as an example to explore the problems and countermeasures of the small and micro credit business of the village bank.In the beginning,the full text introduces the overview of small and micro credit in my country's banking industry,and on this basis,it analyzes the obstacles in the development of this business and the advantages and disadvantages of the development of small and micro credit business in rural banks.Then it conducts a detailed analysis of the Z Village Bank,and proposes that its defects in company management,business development capabilities,risk management level,fintech level,and external environment affect the development of small and micro credit business,and combines the excellent practices of two domestic financial institutions.It is proposed that Z Village and Town Bank realize the rapid development of small and micro credit business through measures such as reforming the internal management system,establishing the right direction of competition,focusing on credit risk control of small and micro enterprises,adhering to technology support strategies,and seeking policy support.