Research On The Development Strategy Of Credit Business Of Small And Micro Enterprises Under The Background Of Inclusive Finance

With the rise of economic globalization,competition among commercial banks is gradually increasing.Different models of financial service systems,differentiated financial products,and innovations in the financial system provide a broader platform for the development of enterprises such as banks.In recent years,small and micro enterprises have progressively become a vital force for China’s national economic and social development.At the same time,under the background of the country’s vigorous development of inclusive finance,small and micro enterprises’ credit business has gradually become a new profit growth point and competitive advantage of bank credit business.However,because small and micro enterprises have certain defects,such as large credit risk and small business scale,it has affected the support of commercial banks to a certain extent.However,with the support of the central bank ’s targeted reduction policy and the government ’s inclusive financial policy,The beneficial influence of micro-enterprises on the operating performance of commercial banks is becoming increasingly significant.Based on the industry background of Inclusive Finance,and taking the case of ICBC A as an example,this article mainly studies the issues related to how to develop the credit business of small and micro enterprises.First,the paper summarizes the relevant theories of the credit business and development strategies of small and micro enterprises,and then based on the actual situation of Industrial and Commercial Bank A Branch,analyzes the current status and existing problems of the small and micro enterprise credit business of a branch through a questionnaire survey.The investigation found that at present,the small and micro enterprise credit business of A Branch has problems such as relatively complicated credit approval flows,the phenomenon of "terrorist loans" by credit personnel,lack of new product implementation,and inadequate risk management systems.Variance,inaccurate positioning,serious product homogeneity,and backward service marketing concepts.Based on the survey results,this article considers the development strategy of small and micro enterprise credit business from three general directions,including internal system optimization,small and micro enterprise credit business personnel adjustment,and small and micro credit business innovation strategies.The corresponding safeguard measures were put forward.