Research On The Whole Process Of CREDIT Management Of AB Bank Service For Private Small And Micro Enterprises

Under the current macro situation,with the economic growth slowing down and interest rate liberalization advancing continuously,the healthy and sustainable development of private small and micro enterprises needs financial support.In 2014,CBRC put forward 12 national guidelines on financial services for small and micro businesses in 2014.In 2020,seven ministries and commissions,including the People's Bank of China,issued the Guidance on Further Strengthening Financial Services for Small,Medium and Micro Businesses.The frequent introduction of various policies and documents has fully emphasized the importance of small and micro enterprises in the development of national economy.However,private small and micro enterprises are always unable to have the financial resources to match their functions.For a long time,only large and medium-sized enterprises or state-owned enterprises with good operating conditions have become the targets of Banks.Therefore,under the new normal of China's economic development,it is of far-reaching significance to study and discuss how policy Banks can further play the leading and exemplary role of policy-based finance,continuously improve the financial services of private small and micro enterprises,and actively promote the adjustment,transformation and upgrading of economic structure.Based on the enterprise life cycle theory,information asymmetry theory,customer segmentation theory,comprehensive risk management theory,business process Reengineering theory as the instruction,from defining the connotation and characteristics of private small micro enterprises,this paper Outlines the development of private small micro enterprise financing demand and characteristics of in-depth analysis in the form of actual case AB before the bank credit in the whole flow of credit into the problem of inadequate,credit products and system defects,loan review for examination and approval and the shortage of post-loan management problems.It sums up the credit the cause of the whole flow of each link problem,optimization of AB banking services to private small micro enterprise credit whole process management,further enhance private small micro enterprise of the acquisition,AB bank small micro enterprise credit business process optimization all major can be set from the personnel training and motivation,innovative products,improve office efficiency,strengthening the funds to pay loan,enhance post-loan management optimization,in order to enhance efficiency,strengthen the service quality,and the effect.