Research On The Countermeasures Of Taizhou Bank Wenzhou Branch To Develop The Loan Business Of Small And Micro Enterprises

In recent years,small and micro enterprises have developed rapidly and play an important role in the development of our national economy.However,due to the influence of its management characteristics,business model and other factors,financial institutions are often reluctant to provide effective loan business for small and micro enterprises.The access to loans for small and micro enterprises is limited,and they cannot get timely and effective capital turnover in the process of operation,which seriously hinders the development of small and micro enterprises.With the acceleration of interest rate marketization and financial disintermediation,Wenzhou Branch of Taizhou bank increased its reform and development efforts,actively explored the differentiated and characteristic development path,will adhere to the market positioning of serving small and micro businesses,constantly make the advantages and characteristics of Wenzhou Branch of Taizhou bank in the fierce market competition,and have made certain achievements in promoting the development of small and micro businesses However,there are still some problems.Therefore,it is of great significance to explore the development strategies of small and micro enterprise loan business of Wenzhou Branch of Taizhou bank for promoting the level of small and micro enterprise loan business and ensuring the efficient operation of the real economy of small and micro enterprises.Due to the small scale of small and micro enterprises and the lack of collateral and other factors,the major commercial banks often do not pay attention to the financing needs of small and micro enterprises,which are faced with difficulties in obtaining loans.This paper takes Wenzhou Branch of Bank of Taizhou as the research object,in order to understand the loan demand of small and micro enterprises and the influencing factors of bank lending,through the investigation and analysis of the current situation of small and micro enterprise loan business development of Wenzhou Branch of Bank of Taizhou and the customers and the bank itself;in view of the development of loan business of Wenzhou Branch of Bank of Taizhou in recent years,the small and micro enterprises of the bank's target object are from This paper analyzes the investigation results of Wenzhou Branch of Taizhou bank,analyzes the SWOT analysis of the development of small and micro enterprise loan business of Wenzhou Branch of Taizhou bank,and puts forward countermeasures for the development of small and micro enterprise loan business of Wenzhou Branch ofTaizhou Bank: accurately positioning and adjusting the products to meet the financing needs,strengthening the multi information collection mode,improving the bidding ability,strengthening risk control and improving the institutional setting We will create new channels for obtaining loans,optimize lending monitoring,and promote policy funding support.In this paper,the development of small and micro enterprise loan business of Wenzhou Branch of Taizhou bank is studied in order to provide some reference for other branches and other commercial banks.