Analysis On Credit Innovation Business Of W Rural Commercial Bank

Medium-sized enterprises have developed into an important part of China’s social economy,and the research on them has become very hot.In the process of financing SMEs,due to the relatively small size of the company,irregular production and operation,and agora ability is low,various institutions in the society are not transparent in the disclosure of SME information,making it difficult for SMEs to pass loans.Commercial banks have accelerated the transformation of science and technology finance and actively developed financial innovation businesses,but how to deal with the problems of homogenization of financial services,imperfect organizational structure,and credit assessment system is not perfect will bring reflect on the innovation and development of SME loans and financial services.On the basis of constantly reviewing domestic and foreign articles,the basic theories related to the current stage of SME credit business innovation have been sorted out,and the current situation of SME financing has been explained.Secondly,analyze the model and business process,have a general understanding,and give a detailed overview of the risk expression and prevention measures that exist in the business process,as well as the difficulties encountered in the credit business.Finally,it introduces the current business of W Rural Commercial Bank’s SME credit and used the benchmarking method to analyze the manifestations and existing problems,aiming at the lack of innovation and weak risk control in the SME financing business.The innovative design of credit business for the problem of imperfect organizational structure.Through the analysis of the W Rural Commercial Bank SME credit business problems,it is concluded that the commercial bank integrates the needs of stakeholders in the credit business design,establishes a mechanism for stakeholders to feedback,and optimizes the credit business in time,and builds a resource sharing platform to connect all parties data channel;secondly,strengthen risk control in the guarantee of business implementation,strengthen internal staff training in business model management,establish an internal incubation innovation team,and formulate an exclusive evaluation mechanism to achieve SME credit business innovation.