Research On The Development Countermeasures Of The Credit Business Of N Bank Suzhou Branch Of Technology-based Small And Micro Enterprises

Small enterprises have become an important media carrier for the country to carry out mass innovation and innovation activities.They play an irreplaceable role in expanding employment,promoting the transformation of economic structure and technological innovation.Therefore,the state has left the burden of structural adjustment and upgrading of the manufacturing industry to the aforementioned technology-based medium-sized enterprises.However,the development and growth of small enterprises are inseparable from abundant capital guarantee,and the development and growth of science and technology-based enterprises are no exception.However,there is still a huge capital gap in a large number of scientific and technological enterprises,which seriously hinders their further development and growth.However,due to the characteristics of "high investment,return and high risk" of science and technology enterprises,it is also difficult for science and technology enterprises to make up for the capital gap through the financing obtained in financial institutions.This situation is an important opportunity for commercial banks.It can give full play to its regional resource advantages,change the capital dilemma of technology-based small,medium and micro companies,and further expand its business by taking advantage of the capital needs of technology-based companies business.From the perspective of commercial banks,this paper will conduct an in-depth study on the involvement of commercial banks in the loan service of science and technology-based small,medium and micro enterprises,analyze the measures and problems faced by N commercial banks in the loan service of science and technology-based small,medium and micro enterprises according to specific cases,and screen customers from the list system according to the problems faced,strengthen the ability of service product design and business innovation This paper gives the loan service and expansion measures of N commercial bank’s technology-based small,medium and micro enterprises from six aspects: cultivating a team of technical and financial compound personnel,optimizing the access process,shortening the audit process,taking multiple measures to prevent non-performing loans.It provides a reference for us to develop the credit business of technology-based small,medium and micro companies.