Problems And Optimization Of Small And Micro Enterprise Credit Business Of Dy Branch Of Agricultural Bank Of China

China’s economic development is facing the triple pressure of demand contraction,supply shock and weakening expectations,with increased difficulties and risks,and the production and operation of small and micro enterprises are greatly affected negatively.In order to protect market players and thus employment and people’s livelihood,the banking industry must continue to increase its support for small and micro enterprises,work hard on credit business,increase investment,expand credit business customers for small and micro enterprises,and optimize the loan structure for small and micro enterprises.Therefore,it is especially important and necessary to study how to alleviate the development difficulties of small and micro enterprises by changing credit concepts,innovating credit models,and improving credit efficiency.In order to study the problems of micro and small enterprise credit business of commercial banks and give optimized countermeasures,this thesis takes the micro and small enterprise credit business of Agricultural Bank of China DY branch as the research object and analyzes its credit business development in detail,including credit business products,credit business processes and credit business assessment and management methods.The results of questionnaires and interviews are used to summarize the feelings and opinions of bank staff and local micro and small business managers on the current situation of micro and small business credit business of Agricultural Bank of China DY Sub-branch,pointing out that the micro and small business credit business of commercial banks has insufficient credit product design,narrow channels for customer acquisition,low staff service level,low business processing efficiency,low credit customer Finally,by drawing on the experience and practices of domestic banks in serving micro and small enterprises,we put forward optimized countermeasures such as innovating bank credit products,improving enterprise marketing ability,enhancing staff service level,improving business processing efficiency,strengthening customer relationship management,and enhancing staff training work.Taking Agricultural Bank of China DY branch as an example,this thesis systematically studies the credit business of small and micro enterprises in commercial banks from the perspectives of both banks and enterprises.The investigation about the credit business of small and micro enterprises in Agricultural Bank of China DY branch is comprehensive and in-depth,and takes into full consideration the actuality of geography and people,and proposes countermeasures with strong operability,which can directly improve the credit business of Agricultural Bank DY branch.It can directly help to improve the credit business of Agricultural Bank DY Sub-branch,and also has certain significance for other commercial banks to carry out credit business for small and micro enterprises.