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

In recent years,how commercial banks can better serve small and micro enterprises,develop the credit business of small and micro enterprises,and help the local economy,has become a hot research topic.Especially for those commercial banks which focus on the development of credit business of small and micro enterprises,how to improve the management level of credit business of small and micro enterprises is an urgent task to be studied.T Bank,the regional commercial banks of Urumqi,the credit business of small and micro enterprises accounts for a high proportion of their credit business.This paper makes a case study on the development of credit business of small and micro enterprises in t Bank,analyzes its present situation,combs its existing problems,and explores its solutions.It is necessary for t banks to actively develop the credit business of small and micro enterprises both from the perspective of external economic environment and from the point of view of their own development characteristics.Through the application of descriptive statistical analysis,case analysis and comparative analysis,the author combs the development of credit business of small and micro enterprises in t bank,especially the credit products and credit process management of small and micro enterprises in t bank,and finds that there are some problems in the service management and risk management of credit business of small and micro enterprises in t bank.These problems restrict the development of credit business of small and micro enterprises in t bank,which is manifested in the decline of business growth rate and the increase of loan bad rate.In addition,the author also analyzes the development environment of the credit business of t bank small and micro enterprises.By analyzing the problems existing in the development of credit business of small and micro enterprises in t bank and the development environment in which they are located,and drawing lessons from the successful experience of the pioneers in related fields,the author puts forward some countermeasures for the development of credit business of small and micro enterprises in t bank.In the aspect of service management,the author puts forward some countermeasures for the innovation of credit products,the reduction of loan interest rate,the introduction of approver system and the strengthening of comprehensive service,and in the aspect of risk management,theauthor puts forward some countermeasures for improving the flow of loan funds and establishing a risk early warning mechanism.In view of the disadvantages and competitive threats faced by t Bank in the development of credit business of small and micro enterprises,the author also puts forward some countermeasures for the development of other types of credit business.It is believed that these countermeasures have certain reference significance and reference value for improving the development level of credit business of small and micro enterprises in t bank.T bank can therefore vigorously develop its credit business of small and micro enterprises,strengthen its financing support for small and micro enterprises in Urumqi,better contribute to the development of local economy,and also better strengthen its own strength.At the same time,these countermeasures and suggestions also have reference value for other commercial banks to develop the credit business of small and micro enterprises.