Research On The Value Evaluation And Promotion Strategy Of H-Bank Small And Micro Credit Customers

As an important component of the national economy,the financing of small and micro enterprises have always been difficult and expensive.Since 2018,China has been vigorously addressing this issue,and has achieved certain results.As an important economic participant,commercial banks have made its own contribution to the promotion of the economic development.China has been continuously providing supports regarding policy to the development of small and micro enterprises.The tax rate has reduced from 16% to 13%,meanwhile,China requires banks to provide strongly support to small and micro enterprises.As an enterprise,the fundamental business goal of banks is to create profits.Customers are the profit source of the commercial bank.As a special bank,the small micro-enterprise is the main customer of city commercial bank.However,constant innovation is still needed to better support the development of small and micro enterprises.As far as the current job is concerned,China has all the financing policies,products and services to support small and micro enterprises.However,constant development is still needed to effectively screening valuable small and micro enterprises.As a special enterprise,banks mainly operate risks,and they charge interest mainly through loans.Small and micro enterprises are at greater risk because of their own shortcomings,and they are not a group of customers with high risk appetite.Nevertheless,they still owned many high-quality customers.Thus,how to select such group of customers and to achieve a win-win situation between banks and enterprises under the condition of controllable risk is an important issue at present.Currently,the bank's evaluation system mainly cuts in from financial information,and this will cause the deviation of the corresponding evaluation for small and micro enterprises with financial irregularities.How to find suitable evaluation index for small and micro enterprises is the focus of this paper.Based on the existing theories and literature,this paper analyzes the current status of financing of small and micro enterprises and the problems existing in small and micro enterprises and banks.Combined with the case of real credit customers of Hanyang Branch of H Bank in the past three years,this paper sets up a scientific micro-credit customer value evaluation system,comprehensively considering the financial value,risk value and industry value of small and micro enterprises,and combining qualitative and quantitative research.The theme of this paper is consistent with the current trend of national economic development,and it is also in line with relevant policies of China.The innovation is reflected in the following aspects.Firstly,this paper combines the characteristics of small and micro enterprises to select the evaluation index which is easy to obtain,and it has certain theoretical innovation.Secondly,on the premise of considering the risk,thecomprehensive income of banks is taken into account in this paper.Thus,it makes the research subject new and original.Through the above theoretical review and analysis of the status quo,it is found that there are some problems in the financing management of small and micro enterprises in H Bank.In the face of the changing market,the existing model has been unable to better obtain quality micro-credit customers.Based on the existing situation,this paper puts forward some suggestions for improving the credit examination and approval mode,product innovation,management mode adjustment etc.Therefore,it has certain reference significance in providing theoretical and practical guidance for the financing of small and micro enterprises.