Research On The Optimization Of GY Bank's "Bank-Tax Interaction" Produc

Small and micro enterprises account for a large proportion in the national economy and are distributed in all walks of life,playing an irreplaceable role in promoting economic development and promoting employment.In order to alleviate the capital difficulties of small and micro enterprises and solve the capital bottleneck problem in the development of small and micro enterprises,the state has vigorously developed inclusive finance,issued a number of policies to support the development of small and micro enterprises,and encouraged major commercial banks and small and medium-sized financial institutions to provide financial help for small and micro enterprises.In order to respond to the call of the state,more and more banking financial institutions have designed and developed their own distinctive inclusive financial products--"bank-tax interaction" products according to their own development situation and using technological and financial means.GY bank as G province’s largest city commercial Banks,according to the city commercial bank service small micro enterprise development orientation,GY bank actively implement the "silver tax interaction" policy,is the first introduced according to the enterprise tax credit for small micro enterprise loan financing products "tax E borrowed",to develop small micro enterprise credit market,realize systematic batch credit,reduce the risk of small micro enterprise credit business,make loan decisions become more efficient,accurate and scientific.First,the full paper introduces the background and significance of the research,and analyzes the relevant domestic and foreign literature,and expounds the views of experts and scholars on the "silver tax interaction".Then it introduces the relevant situation of GY Bank’s "bank-tax interaction" product--"tax source E loan",and analyzes the existing problems of "tax source E loan" and the causes of the problems.Finally,in view of the existing problems,GY Bank proposed the optimization measures and implementation guarantee of "tax source E-loan",hoping to provide help to optimize the "bank-tax interactive" products,and provide reference for other inter bank institutions,especially small and medium-sized city commercial banks,in carrying out or optimizing related products and businesses.