Research On The Development Of Small And Micro Loan Business Of Z Bank

As a new force of national economic and social development,SMEs play an important role in expanding employment,improving people's livelihood,promoting entrepreneurship and innovation,stabilizing growth,promoting reform,adjusting structure,benefiting people's livelihood and preventing risks.In order to support the development of small and micro enterprises,the state has intensively issued a number of policies and guidelines to encourage commercial banks to increase the lending to small and micro enterprises.On the basis of the regulatory objectives of "three not less than",the regulatory authorities have put forward a more strict new objective of "two increases and two controls".Under the double pressure of strict assessment and economic downturn,it is particularly important for local city commercial banks to optimize the original process of inclusive small and micro loans and explore new business development models.Bank Z is a local city commercial bank which developed financial services for small and micro enterprises earlier in China.At the beginning of its establishment,bank Z established the market position of "small enterprise financing expert",and has achieved certain results in the field of domestic small and micro financial services.In2017,the people's Bank of China proposed the concept of inclusive small and micro loans,including small and micro loans with a single credit of less than 5 million yuan into the inclusive financial field,targeted reduction of the inclusive small and micro loans,and strengthened the investment assessment of banking institutions.Bank Z also strengthened the business exploration of inclusive small and micro loans.This paper takes the inclusive small and micro loan business of bank Z as the research object.Through the research on the current situation of inclusive small and micro loan business of bank Z,it reveals that under the current economic downward pressure,there are many problems in bank Z,such as serious homogeneity of business,unreasonable investment structure,high dependence on partners,lengthy business process,etc.,and probes into the causes of the problems from the internal and external aspects The external causes are mainly the pressure of macro policies and regulatory assessment,the squeeze of large-scale banking business and the lack of internal and external environmental support for new investment.The internal causes are mainly the lack of strategic positioning,insufficient product design capacity,outdated risk control approval technology and poor implementation of due diligence exemption system.In the face of the existing problems and causes,this paper puts forward the suggestions of sticking to the original intention of small and micro enterprise strategy,strengthening product and model innovation,reshaping small and micro enterprise business process and optimizing customer management system.It is hoped that the research of this paper can promote the development of inclusive small and micro loan business of bank Z,and provide some reference for other domestic city commercial banks or other commercial banks in Henan Province to carry out inclusive small and micro loan business.