The Study for ZGS Bank Ningxia Branch Micro-enterprises Credit Businesses

With the world economic process speeding up, China economy has developed rapidly. Especially private economy as if bamboo shoots to grow up quickly. The micro-enterprises plays a important role in economic development and social stability in China. Micro-enterprises have greatly influence on economic growth quickly, the market prosperity, encouraging technological innovation and increasing employment. It is the micro-enterprises’s flexible steering mechanism and market adaptability that promoting the system reform, economic development, social harmony and the situation of opening to the outside world. The far-influence of micro-enterprises is of crucial, especially in optimizing the economic structure, improving the efficiency of market and perfecting market economic system and so.However, at present the credit business of economical bank is facing a serious test and competition. With the world financial market developed and the opening degree improved constantly, the current financial products in commercial bank can’t meet the actual demand of the society. In the new market background, the credit business such as the "blue ocean" strategy has been a full-blown. In order to adapted to the modern economic situation, ZGS bank, Ningxia branch will adjust the business structure, looking for a new target and develop a new market comprehensive in credit business.The core content of this thesis is to provide innovation ZGS bank credit support business for micro-enterprises. Based on the domestic and foreign studies and the implementation of status quo, discussing the necessity of series of problems in the promotion of micro-enterprises credit business for ZGS bank, proposes the innovation development strategy and support optimization model credit business. Therefore, ZGS bank can occupy a place in micro-enterprises credit business, improve the business structure and enhance market competition ability, being more bigger and stronger.