In credit products, on the one hand

In credit products, on the one hand, urban commercial banks should make full use of their information advantages, for different industries, different regions, do a good job of small and medium-sized enterprises segmentation. For different types of enterprises, tailor-made credit products suitable for their development characteristics, actively carry out financial innovation activities, enhance the financing and financial services of small and medium-sized enterprises. On the other hand, in view of the lack of major mortgage assets of most small and medium-sized enterprises, banks should actively innovate the guarantee mode, in addition to the traditional land mortgage, real estate mortgage and third-party guarantee, but also according to the actual situation of the enterprise to take intangible assets mortgage, intellectual property pledge, corporate income right pledge and other guarantee methods, through scientific assessment, reasonably determine the loan term, for small business financing to expand the scope of choice. In the post-loan management, the credit personnel should make timely judgment on the business conditions of enterprises as to whether there are risks in the credit business, and keep up-to-date with information such as the changes in collateral, so as to effectively prevent credit risks.。