Research On Credit Business Development Of Small And Micro Enterprises In Foshan Branch Of A Urban Commercial Bank

With the in-depth development of the socialist market economic system,enterprises have sprung up like mushrooms,among which small and micro enterprises account for a high proportion in the number,and become a new trend of market development.They play an extremely important role in promoting the development of socialist market economy.They not only provide a lot of jobs for our country,but also contribute a lot to the economic development of our country.For small and micro enterprises,limited by their own development scale and level,they need a lot of financial support to expand production capacity and improve market share.However,small and micro enterprises are still faced with the problem of financing difficulties due to their high operational risks,extensive enterprise management,single financing channels,lack of collateral,and weak financial management.For urban commercial banks,small and micro enterprises have always been the target market of financial services.However,the low anti risk ability of small and micro enterprises makes city commercial banks bear a huge risk test when they carry out small and micro credit.This article takes Foshan branch of A Urban Commercial bank as an example,based on the problems encountered in the urban commercial bank’s support for the development of small and micro enterprises,deeply analyzes the current operation of the bank’s small and micro enterprise credit business,and finds that there are some problems in the development of small and micro enterprise credit business of Foshan branch of A Urban Commercial bank,such as high comprehensive cost,high product threshold,cumbersome business process,and inadequate assessment.After analyzing the causes of the problems,this paper puts forward some suggestions,such as reducing the comprehensive cost and cost,implementing the differentiated credit policy of small and micro enterprises,optimizing the credit process and improving the loan application efficiency,establishing a scientific and reasonable incentive assessment system,and strengthening the training and introduction of small and micro financial talents,hoping to develop small and micro enterprises for Foshan branch of A Urban Commercial bank provide some suggestions and reference for credit business.