Research On The Development Strategy Of JS Bank’s Technology-based Small And Micro Enterprise Business

Scientific and technological enterprises are the important boosters to promote the reform of scientific and technological system and the realization of the goal of building an innovative country.However,in the development of technology-based small-micro enterprises,the problem of financing has not been properly solved.At present,bank financing is the most important external financing channel for technology-based small-micro enterprises.It is of great strategic significance to study the development strategy of credit business of technology-based small-micro enterprises in commercial banks to promote the business upgrading and development of banks and technology-based small-micro and even to promote the reform of science and technology system and the development of emerging industries.Firstly,this paper takes JS bank technology-based small-micro enterprises credit business as the research object,analyzes the internal data of credit financing amount of JS bank technology-based small-micro enterprises in the past seven years,and reveals the development status of its technology-based small-micro enterprises credit business.Secondly,through the questionnaire,a comprehensive survey of JS bank customer base,financing needs,financing paths,financing methods,so as to summarize the JS bank technology-based small-micro enterprises credit business problems.That is,JS bank technology-based small-micro enterprises credit business has too conservative business philosophy,credit access threshold is too high,product promotion is insufficient,credit business processing process is too cumbersome,credit risk management disorder and other problems.Finally,this paper combined with the customer characteristics of JS bank technology-based small-micro enterprises and the problems encountered in business development,put forward the transformation of technology-based small-micro enterprises credit business management concept,appropriately reduce the threshold of access,strengthen marketing promotion,simplify the business process,the full implementation of risk management program and other development countermeasures.I hope the research of this paper can provide reference for the transformation and upgrade of JS Bank’s technology-based small-micro enterprises credit business.