Research On The Development Of Small And Micro Enterprises Of Credit Business Of Bank Of Changsha

As a group of enterprises with the largest number,the most scale and vitality in the markets,small and micro enterprises play an important role in promoting economic growth,improving social employment,promoting social stability and other aspects.With the rapid development of market economy,small and micro enterprises have become a very active economic component in Chinese market.As an important leader and component of the market economy with Chinese characteristics,small and micro individual enterprises,which are regarded as the "capillaries" of the market economy with Chinese characteristics by many people,often suffer from capital shortage due to the rapid economic development.At present,the main reason constraining the development of small and micro enterprises is the lack of capital.Due to the characteristics of poor anti risk ability and opaque information,it is difficult for small and micro enterprises to finance directly.The credit loan of commercial banks is the main financing channel that small and micro enterprises can obtain.Compared with large and medium-sized commercial banks,urban commercial banks have more power and advantages in developing small and micro enterprise credit business.Based on the author's three-month internship experience in Bank of Changsha and the collection and analysis of relevant data,this paper analyzes and studies the development of small and micro enterprises of credit business of Bank of Changsha from the perspective of credit model.After introducing the internal and external environment of the development of small and micro credit business of Bank of Changsha,this paper expounds the current situation of small and micro enterprises of credit business under the credit factory mode and the characteristic franchise sub branch mode of Bank of Changsha,including internal organizational structure,business operation process,small and micro characteristic products,risk management and control,etc.Then it analyzes the results of small and micro enterprises of credit business of Bank of Changsha.In the credit factory mode,it analyzes the data of small enterprise credit center in terms of loan scale and growth,asset quality and non-performing loan rate,loan application rate,etc.In the characteristic franchise sub branch mode,it analyzes the newly added franchise credit balance,newly added small and micro loan balance and newly added of each franchise branch the proportion of small and micro loans.Then we find some problems in the development of small and micro enterprises of credit business of Bank of Changsha,such as the rising non-performing loan rate of small and micro businesses,the lack of characteristics of franchise sub branches,the single form of financial services of small and micro enterprises,and the pricing system of small and micro credit needs to be further improved.Finally,the paper puts forward relevant measures and suggestions for the problems existing in the development of small and micro enterprises of credit business of Bank of Changsha.Firstly,strengthen the risk management and control of small and micro enterprises of credit business,starting from the risk dispersion mechanism,its management system,risk pricing mechanism,small and micro customer upgrading,exit mechanism and other aspects.Secondly,transform the characteristic franchised sub branch into the management of the directly administered branch,highlighting the word "characteristic".The third is to improve the financial product system of small and micro enterprises based on the actual needs of small and micro enterprise customers,including small and micro market segmentation and small and micro product innovation.The fourth is to improve the approval process of small and micro enterprises of credit business,starting from business approval scope,differential pricing strategy,independent audit system,etc.The above suggestions will optimize and improve the current development of small and micro enterprises of credit business of Bank of Changsha to a certain extent,and realize the development of financial service level of small and micro enterprises of Bank of Changsha towards the direction of "large scale,high efficiency and high quality".