Analysis On The Problems And Countermeasures Of The Development Of Credit Business Of Small And Micro Enterprises

At present,small and micro enterprises account for 99%of the total number of enterprises in China,solving 85%of employment,and their products and services account for more than half of GDP.It can be said that the development of small and micro enterprises is very important.However,due to their own financial chaos,inadequate management,lack of collateral and weak ability to resist external shocks,small and micro enterprises are now facing the problems of difficult and expensive loans.In order to solve the financing problem of small and micro enterprises,the state has issued a number of inclusive policies in recent years to guide local financial institutions to issue policy loans.As a county legal entity,a rural commercial bank is the main force in the development of rural finance.Because of the short time of restructuring,it has little experience in developing small and micro credit business,and the competition among the same industry has solved.Many small and micro businesses have been closed down by COVID-19.In recent years,non-performing loans have been rising continuously.Banks are also facing the dual pressure of opportunities and challenges.This paper mainly studies the problems related to the development of small and micro enterprise credit business of G rural commercial bank.Firstly,the paper summarizes the research on the credit business and Development Countermeasures of small and micro enterprises;Secondly,based on the actual situation of G rural commercial bank and the current situation of the development of small and micro credit business,this paper summarizes the main problems existing in G Rural Commercial Bank:unclear industry differentiation,low quality of credit personnel,cumbersome approval process and lack of risk assessment,and analyzes that these problems are mainly caused by internal control mechanism,quality of credit personnel,external environment and other factors;Thirdly,by collecting the questionnaire survey of small and micro enterprises on the development of small and micro credit business of G rural commercial bank,this paper makes an empirical analysis on the summarized problems by using Pearson correlation analysis model and linear regression analysis model to eliminate subjective assumptions;Finally,according to the problems raised,some suggestions are given:optimizing the internal mechanism,improving the quality of personnel and strengthening financial innovation.Starting with the strengthening of the internal mechanism of the bank,improve the situation of information asymmetry between banks and enterprises,innovate the marketing mode of small and micro credit,and constantly improve the quality of personnel.In the face of the developing market environment,G rural commercial bank can actively adapt to the external environment,continuously improve its competitiveness,closely follow national policies,and provide favorable support for the development of small and micro enterprises.