MS Bank Dalian Branch Little Micro Finance Development And Countermeasure Research

Looking from Our country Banking industry present situation, speeds up, the spread along with the interest rates liberalization advancement suddenly to reduce along with it; The money market system consummates gradually, is broken gradually take the big customer as the main target client business model; The finance "escapes the intermediary" to further intensify, the big customer bargaining power strengthens, outflow aggravating and so on serious challenge. Meanwhile, the small micro enterprise is being prosperous aspects and so on market, expanded domestic demand, buying in employment, promotion urbanization development to play the influential role, will be the future our country economic development source power. But receives the bank tradition service consciousness, the idea, the way, the method shackles, the small micro money market becomes the bank stepping in not depth, the competition not fully, but the actual financial demand is very active, has the huge opportunity the market. Therefore the change tradition's business model, the goal customer from the big enterprise to the small and medium-sized enterprise, specially the Small business transforms, opens the new service breakthrough point and the point of growth, from satisfies the customer multiplication the financial demand to embark, carries on the essential credit culture to transform, as well as the product development, the flow design, operating type's adjustment, is the key which the current Commercial bank develops is.This article adopts the theory and empirical analysis of the combination of methods, based on the basic situation of small enterprises, small enterprises financing, small business loan status, as well as macroscopical economy runs posture to small micro financial impact, small and micro financial business explains the feasibility and necessity of developing. On this basis, the MS Bank Dalian Branch of small enterprises loan status and problem analysis, summarize the current constraints of small financial development of the fundamental causes, to design a commercial bank to the small and micro financial credit and service mode, put forward to the small financial management countermeasures and suggestions, hoping to solve the small and micro finance development on a certain reference.