c银行小微企业的信贷业务发展策略的研究

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1、AbstractInrecentyears，smallandmicrobusinesseshasbecomeanimportantdrivingforceforsustainabledevelopmentofsocialeconomy，whichplayedasignificantroleinthepromotionofeconomicdevelopment，technologicaladvances，tax，employmentandotheraspects．HoweveLsmallandmicrobusiness

2、esgrowquicklyandbringasignificantcontributiontothenationaleconomy，atthesametime；theyfacearelativeshortageoffundsandotherissues，whichbecomeabarrierforthebeRerdevelopmentofsmallandmicrobusinesses．Since2011．smallandmicrobusinessesdevelopmenthasbeenwidespreadconcer

3、nofallsectorsofsocietyduetotheoperatingpressureanddifficultiesinfinancing．BankCasthelargestbranchinthelargedomesticcommercialbanks，facinganextremelyseverecompetitivesituation，whichalsoencounteredalotofinternalandexternalpressureinthedevelopmentprocess．Financial

4、de—intensifieddisintermediation，withthegrowingindustrycompetitionandotherbusinesschangesintheenvironmentofdomesticcommercialbankshaveraisedthesubjectofbusinessstrategytransformationofreality．Thebusinessofsmallandmicrobusinessesisbeneficialtothedevelopmentofnewc

5、ustomers，customerstructure，andisbeneficialtoimproveassetstructureandbusinesstransformation．ItisspontaneousselectionofbusinessstrategytransitionandmaintainingprofitlevelforBankCtovigorouslydevelopsmallandmicrobusinessescustomers，customers’structuraladjustmentand

6、optimization．HowtoconductthecreditbusinessofsmallandmicrobusinessesisanurgentneedtostudyforBankC．ThepaperintroducesthedevelopmentprocessandbusinesssituationofBankC，analyzingthepolicyenvironment，distribution，accumulationandkeyareasofthesmallandmicrobusinesses，an

7、dstudytheproblemsofsmallandmicrobusinessesfinancinginBeijing．ThepaperlearnsfromtheexperiencesandinitiativesofthecreditbusinessofsmallandmicrobusinessesinBeijingCommercialBank．AccordingtothecreditstatusandexistingproblemsinsmallandmicrobusinessesofBankC，thepaper

8、proposethestrategyinthemarketorientation，organizationalstructure，productinnovation，channelconstruction，assessmentmechanisms，personneldevelopment，riskmanagementandotheraspect