Analysis Marketability Operation Experience And Enlightenment Of Shaanxi Province Bank's Petty Loan During The Republic Of China

The Shaanxi Province Bank is a modern China famous State bank. In the 1920s, Shaanxi Province Bank was engaged in the petty loan service to assist on the agriculture, industry and business with a small capital which it was in the difficult position. The business scopes cover entire Shaanxi and have made certain progress.In the new times of developing Chinese characteristic socialist economy, the bank of Shaanxi Province has timely promoted a new service - re-employment small hypothecation loan service to solve the unemployed people's re-employment issue. It helps unemployed people to build their own small enterprise by running the individual or small partnership business. It also solves real social issue by leading more unemployed people get employed.The Shaanxi Province Bank's the petty loan has obtained the huge success during the Republic of China. It did realize the social efficiency and the economic efficiency. But, current banks of Shaanxi Province face with many difficulties to developing re-employment small hypothecation loan service. The main reasons include: local government made impulsive loan when progressing re-employment small hypothecation loan; commercial financial organization grudges the loan generally; official support of loan product is insufficient; the guarantee and counter-guarantee problem is prominent; propaganda and explanation on policy is poor; the idea of credit is deficiency; re-employment services is lag and so on.This article takes the petty loan as a breakthrough point by instructing the Marx dialectical materialism and historical materialism. This article research the 1930s' Shaanxi Province Bank petty loan marketability operation experience according to logistic analyzes by using economic and history category. It also summarized how to solve the concrete operation problems when banks of Shaanxi Province promote re-employment small hypothecation loan service. These experience, reference and enlightenment will be helpful to overcome the bottleneck and success in marketability operation.