中小企业和个人信贷业务是一项收益水平高、综合回报好、发展空间大的业务,也是当前资产业务亟待突破的重点、难点和新的增长点。近几年,大冶、公安支行牢牢把握当地民营及个体经济活跃的特点,把中小企业和个人贷款业务作为资产业务的营销重点,积极拓宽融资渠道,推进产品管理创新,加大信贷支持力度,推动中小企业和个人贷款业务实现了蓬勃发展,进而也带动了各项业务的全面发展,确立了农行县域金融主渠道的地位。本文乃营业部考察组对大治、公安两行的中小企业和个人信贷业务发展情况所做的考察报告。 SMEs and personal credit business is a business with a high level of return, good comprehensive returns and large space for development. It is also the key point, the difficult point and the new growth point that the current asset business needs to make breakthroughs urgently. In recent years, Daye and the Public Security Branch have firmly grasped the characteristics of the local private economy and the individual economy. SMEs and individual loans business have been the focus of asset business marketing. They have actively broadened the financing channels, promoted product management innovation and increased credit support , Boosting the development of SME and personal lending business and further boosting the all-round development of various businesses and establishing the status of the main channel of ABC’s county finance. This article is the investigation report made by the inspection team of the sales department on the development of SMEs and personal credit businesses in Dazhi and the Public Security.