| In recent years,in order to ease the real economy under the downward pressure of the economy,especially the financing problems of small and micro enterprises,improve financial services and promote the healthy and sustainable development of the economy.The government has successively issued a number of policies to vigorously promote the continuous development of the real economy and the private economy.The small and micro enterprise loan business has gradually become an important module in the diversified operation of commercial banks.This business is a concrete reflection of the return of banks to their original business.Conducive to the improvement of bank capital operation efficiency,but also conducive to the growth of bank profits.At the same time,the assessment of the commercial banks by the supervisory authorities also includes an item of support for small and micro enterprises.The evaluation of the management will take into account the bank’s small and micro enterprise loan business.Therefore,commercial banks consider the regulatory rating,administrative After such issues as admission,senior management assessment,etc.,this business will also be actively carried out.However,the difficulties of small and micro enterprises in financing,high costs,and difficult risk control are still widespread.In addition,due to the outdated risk control model of commercial banks,risk control is inevitably stretched in response to the changing operations of small and micro enterprises.The development of the Internet and big data cloud computing technologies has just broken through the traditional credit service model and provided new channels for financing small and micro enterprises.On the one hand,emerging financial products such as bank-tax interaction under big data credit can provide small and micro enterprises with credit fund support in a timely manner,and use credit tax information at the government level to increase credit for small and micro enterprises’ financing,reducing some risks.And the full-process,batch-based credit management is an effective method to alleviate the problems of financing difficulties and slow financing of small and micro enterprises.Secondly,banks can effectively improve the service level of small and micro enterprises related businesses through cooperation with the tax bureau,and improve the ability to identify credit risks of small and micro enterprises.At the same time,it is an innovative measure for the financial industry topromote the development of China’s “inclusive finance”.On January 5,2018,Dalian Rural Commercial Bank held a kick-off meeting for the construction of a bank-tax interactive online credit product construction project,and proposed to innovate credit products with the characteristics of Dalian Rural Commercial Bank based on advanced industry experience.As the main army bank and "private enterprise partner bank" of Dalian Rural Agricultural Support Branch,in recent years,Dalian Rural Commercial Bank has invested more than 100 billion yuan in private and small and micro loans,and Dalian Rural Commercial Bank’s "tax-xin loan" product has been successfully launched.It is a powerful measure for Dalian Rural Commercial Bank to implement the national policies and requirements for further deepening the financial services of small and micro enterprises,and to solve the difficulties of small and micro enterprises such as "difficult financing,expensive financing and slow financing",and further realize the financial sector and other financial sectors.The mutual extension between the functions of services and tax agencies,thus continuously improving the quality of services for small and micro enterprises,signifies that Dalian Rural Commercial Bank has effectively used big data to enhance the service of the real economy in a large economic environment,and Something has been done in terms of quality and efficiency,and a solid step has been taken to deepen the service of the real economy.This thesis is based on the research of Dalian Rural Commercial Bank’s "tax-xin loan" service for small and micro enterprises financing loan products,a comprehensive analysis of the current development status of "tax-xin loan" business,and attempts to explore the existence of "tax-xin loan" business in the operation process.main problem.It further explores and analyzes the deep-seated reasons that lead to these problems,and puts forward specific suggestions and countermeasures on how to more effectively develop the "tax-xin loan" business.The purpose is to better improve the efficiency and ability of the “tax-xin Loan” and other bank-tax interactive products to serve small and micro enterprises,effectively solve the problems of difficult and expensive financing for small and micro enterprises,and promote the continued health of small and micro enterprises.Development to promote the transformation and upgrading of economic development methods to better contribute to the real economy.The research content of this thesis mainly includes the following five parts:The first part is the introduction.This article mainly introduces the background of the topic selection,the significance of the topic selection,the research content,the research methods,and the innovations and deficiencies.It summarizes the current research status and development trend of the bank-tax interaction and clarifies the main content and methods of this research.The second part mainly introduces the basic situation of Dalian Rural Commercial Bank involved in the specific research process of this thesis.Specifically related to the operation of Dalian Rural Commercial Bank,the background of the operating environment,and the operating characteristics of Dalian Rural Commercial Bank.The third part is a detailed introduction to the background,purpose,and product analysis of Dalian Rural Commercial Bank’s "tax-xin loan" business.Specifically related to the introduction of "tax-xin loan" products,basic business processes and product characteristics.The fourth part introduces the current status and main problems of Dalian Tax Commercial Bank’s "tax-xin loan" business.It mainly expounds the start and development of the "tax-xin loan" business,and elaborates on the good development momentum of the "tax-xin loan" business at the current stage.Finally,it analyzes and summarizes the problems existing in the "tax-xin loan" business.The fifth part is to put forward specific suggestions and countermeasures for the problems of "tax Xin loan" products. |
