Research On The Development Of Small Enterprise Credit Business Of H Branch Of Bank A

In recent years,the Banks are more efforts to do credit for high quality small business customers,to face the challenge of the new normal economic and financial market competition intensifying,the small business market main body is particularly important for steady growth,employment,is critical for promoting technological innovation,vigorously carry out for small business credit business of commercial bank is particularly obvious.At the same time,whether commercial banks can actively and steadily develop small business credit business is also directly related to whether commercial banks can actively adapt to the change of market environment,whether they can well grasp the new profit growth pole,whether they can effectively achieve business transformation.Some commercial banks do A better job in the development of small business credit business,but there are also some commercial banks in the development of small business credit business there are many places to be improved and urgent problems to be solved,among which the development of small business credit business of Bank A H Branch needs to be improved.In order to promote the small business credit business of A bank H branch positive,steady development,at the same time to the same kind bank in small business credit business development to provide certain reference,this paper takes A bank H branch as the specific research object,mainly by literature research methods such as induction,comparison reference,on the basis of combing the existing relevant research literature,Puts forward the concept of small business,small business credit business concept and the concept of commercial bank credit management,from the analysis of A bank H branch of three course of small business credit business development,and then to the branches of small business credit business status quo,existing problems and reasons of the problems were analyzed deeply and systematically,After studying the successful experience of H branch of B Bank and H branch of C Bank in the development of small business credit business,countermeasures and suggestions are given to promote the development of small business credit business of H branch of A Bank:understanding the importance and significance of small business credit business should be further in place;We should attach importance to,perfect and strengthen the system construction of small business credit granting business;We should actively promote the use of information technology means and methods in credit business management of small enterprises,pay attention to the establishment of scientific process of credit business management of small enterprises,strengthen the innovation of credit business products of small enterprises,etc.Attention should be paid to the construction of small business credit business personnel.