With the development of China’s economy and financial system of continuous improvement, small business credit market has made leaps and bounds. In recent years, many commercial banks have begun to compete for this market, small and medium banks due to their own development characteristics, pay more attention to the development of small business credit market. Because small and medium-sized banks in the process of competition for large customers, large commercial banks to seek scale advantages, faces fierce competition in the market. In addition, small and medium-sized banks can be a source of development is the small business credit business support. In the form of economic and financial system, medium and small banks to small business credit business as one of their own development strategies. Small business credit, will expand financial services to credit for small businesses as a business focus, small and medium-sized banks with their own credit scale, the inevitable choice of business strength. Shizuishan Yinchuan branch of the Bank as a newly established small and medium-sized banks, small business credit business as one of their own development priorities. However, in Yinchuan branch of small business credit business strategy, there are still many problems. The papers in this context of the existing problems of the the Shizuishan banks Yinchuan branch small business credit business analysis and development strategy. Designed to provide references and suggestions for the development of small business credit business in Yinchuan branch.
First, the paper carried out analysis the Shizuishan the Yinchuan branches of the Bank of small business loans status and problems, the main analysis include: the the Shizuishan the Yinchuan branches of the Bank of profiles as well as a branch of the status quo, the problems of small business loans Yinchuan branch. The problems of small business loans Yinchuan branch: the target market is not stable enough, small business credit approval process is cumbersome, not targeted assessment and incentives, lack of publicity and marketing channels, affect small businesses with value-added financial services and Yinchuan branch existing credit rating system is not an accurate assessment of small and medium-sized enterprises.
Secondly, the design strategy program for small business loans Yinchuan branch. Including a strategy of differentiation of small business loans, small business loan business strategy, small business lending market development.
Finally, the paper analyzes the Yinchuan branch small business lending strategies for program implementation strategies. Implementation of content include: simplify the approval procedures of small businesses; small business loans, credit management model; the branch to develop a professional small business credit department; the establishment of a dedicated marketing team; the establishment of specialized incentive and evaluation system; rich guarantee means gradual improvement of corporate lending products; strengthen risk prevention and supervision; the implementation of diversified financial services strategy.
All research papers are based on analysis of the actual situation on the development of small business credit business, Yinchuan branch Finally, the research strategy is also effective, and provide the basis for decision making for the development of small business credit business in Yinchuan branch.
Keywords: Small business credit business; Development status; problems; Strategic program design; Implementation of the proposed