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Overseas experience shows that: With the continuous development of the capital market, large enterprises, financing of our customers will gradually shift from bank financing capital markets, credit markets, large enterprises will continue to shrink, and small businesses often is the final stable source of customers banks. And the face of China's contribution to GDP 60% of the SMEs, the relevant departments are actively developing various organizational policy guidelines to support small business credit market liberalization and technological innovation. It is based on a strong competition policy support of the external environment, the banks with their own strategic needs, the development of small business credit as a new strategic points. Small business credit with customers are small, high-frequency and more dependent on the characteristics of short-term loans, in addition, compared with large enterprises, small businesses have neither the biggest feature is the detailed financial information and no stable operating profits, hence their loans is dependent on the fundamental characteristics difficult to observe, quantify and deliver \For the most critical aspects of such loans is that loan officers interacting with customers through the stage of gathering information, on the basis of customer credit qualifications up audit to determine the wishes of our customers and the possibility of repayment, the final credit decisions, so the level of quality loan officer directly determines the quality of credit assets. With the small business credit market continues to develop, explore effective human resource management for the loan officer model more and more attention, how to retain good loan officer, how to develop a high-quality credit team, became the all-bank financial agency primary consideration. In today's environment, the traditional human resource management is changing, competency-based human resource management theory is becoming dominant. The so-called competence is tied to a specific job, working in a certain scenario individuals have, who can distinguish outstanding ordinary person with intrinsic and stable individual characteristics, including knowledge, skills, motivation, personality and self-cognition. This study first Research related theories, and then using literature data, expert consultation, interviews and other key events for the study by Bank A small business loan officer initially established theoretical model, and finally the use of questionnaires, empirical studies have examined the model and the formation of the final Bank A small business loan officer competency model.
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