Research On The Problems And Countermeasures Of Financial Service Development Of Small And Small Enterprises In Hohhot Branch Of Minsheng Bank

In recent years, with the rise of domestic undertaking tide, accelerated significantly in small micro have enterprise development in our country. Small micro enterprise registration number, or small micro enterprise assets scale, domestic small micro enterprises are gradually entering a new stage of development. In this background, the domestic commercial Banks have to speed up the small micro enterprise financial services business support, to preempt the favorable market position.Taking Hohhot branch of bank of the people’s livelihood as the research object, USES the case analysis method, small micro enterprise service business development in Hohhot branch as the starting point and specific analysis of the small micro enterprise financial services business development present situation and existing problems. The study found that despite the current minsheng bank Hohhot branch small micro enterprise financial business in the regional financial market have a certain competitive advantage and market influence; But, with the intensification of market competition, minsheng bank, Hohhot branch small micro enterprise financial business in developing related problems, low embodied in the structure of the organization coordination, small micro enterprise product innovation co., LTD., the marketing way behind and lack of depth, the risk management idea conservative and process trival, despise small micro enterprise post-loan management, etc. At the same time, the analysis thinks, minsheng bank, Hohhot branch will continue to expand the scale of small micro enterprise financial business market, improve market competitiveness, small micro enterprise organization from the optimization and adjustment, to speed up the pace of small micro enterprise product or service innovation, using mass marketing model and improve marketing breadth and depth, changing the concept of risk management, and improve the efficiency of risk management, attach importance to and further strengthen post-loan management and other aspects of small micro enterprises carry on the improvement of related business, can effectively solve the Hohhot branch small micro enterprise financial business development in the process of related problems.Finally, this paper in order to ensure the bank of the people’s livelihood, Hohhot earnestly implement small micro enterprise financial business development improvement strategy, respectively from the ideological understanding, human resource management, information construction, the mechanism of product development, enterprise culture construction and so on related security measures are put forward, a total of Hohhot branch leadership reference. In this paper, the research of commercial Banks to carry out the small micro enterprise financial business has a certain reference and reference value.