2. Compared with other businesses of banks, the loan business of small and micro enterprises is small and the operating cost is high. Whether the cost can be effectively reduced is the key to the development of small and micro enterprise loan business.
At present, the credit evaluation and auditing standards of many commercial banks in China are still based on the relevant indicators of large and medium-sized enterprises. On the one hand, this indiscriminate credit management model makes it difficult for most small and micro enterprises to meet the bank lending standards, and the loan availability of small and micro enterprises is poor. On the other hand, it is difficult to fully reflect the real risk situation of small and micro enterprises without fully considering the development characteristics of small and micro enterprises.
References:
Microfinance _ Baidu Encyclopedia