Study On The Development Of Micro And Small Enterprise Loan Business In Branch H

Micro and small enterprises are an important force in promoting the development of China’s national economy,spreading across all fields of China’s industries and trades,and their influence has penetrated into every aspect of our lives,making them an important force in China’s economic development.In terms of development prospects,small and micro enterprises have unparalleled advantages in the personalized and diversified consumer market,and are well positioned to meet innovative consumer needs in high-frequency consumption scenarios targeting the livelihood sector.With technological advances,the development of small and micro enterprises has begun to advance by leaps and bounds,further breaking the limitations of time and space,extending their market scope and expanding their development space.In the current national policy to increase support for small and micro enterprises,more and more high-quality talent also began to invest in this "mass entrepreneurship" field,small and micro enterprises continue to improve their own quality,competitiveness,etc.,the development of small and micro enterprises is also very bright prospects.In recent years,the state has attached more and more importance to the development of small and micro enterprises,and the relevant policies have been increasing to support the growing demand for loans to small and micro enterprises,and major commercial banks have also turned their attention to this once marginal business.branch H is a second-tier branch of a large state-owned commercial bank NY Bank,whose traditional business focus is generally placed on large projects and investments of state-owned enterprises and central enterprises,and the ability to serve small and micro enterprises is is weak.Since Branch H decided to focus on micro and small businesses in response to the policy call at the end of 2017,the development of its business has achieved certain results,but different problems have also started to be exposed in the process of development.This paper selects the micro and small enterprise loan business of Branch H as the object of study.By investigating and analyzing its business operation in recent years,combining the current situation of domestic and international research and supported by theories such as long tail theory and credit rationing,it points out that the following problems still exist in the development of the micro and small enterprise loan business of Branch H: small business scale,which is not conducive to the generation of economies of scale;cumbersome business processes,resulting in the loss of some high-quality micro and small customers;customer The high concentration of customer structure and industry structure easily triggers the risk of loan concentration;insufficient innovation in products and services reduces market competitiveness;high loan risks and poor prevention,and less loan proceeds,which is not conducive to the sustainable development of the business.After analysing the problems,the internal and external causes of the problems were pointed out,and the company was able to expand its customer acquisition methods,improve its business processes,optimise its customer and industry structure with differentiated assessment and the establishment of new target markets,carry out product innovation and service improvement based on the characteristics of the small and micro enterprises group,strengthen its risk management capabilities with technology empowerment such as big data,and expand its small and micro business with the "small and micro loans +" chain."It also put forward safeguard suggestions in terms of business training,staffing,system improvement and building a cultural system for serving micro and small enterprises,hoping to play a positive role in promoting the bank’s micro and small enterprise loan business,and also expecting to provide some reference and ideas for other commercial banks or scholars studying this field.