| With foreign banks enter into China and city commercial bank develops the cross-regional business, competition is increasingly strengthened, and also joint-stock banks profit is reducing, the single strategy preferring larger and medium-sized enterprises needs to be changed. Many international and domestic financial institutions had deeply researched micro-loan business. In our country, micro-loan is started lately, although at present the micro-loan business is a lot, but the work of the practice of micro-loan is little. In the next period of time, the demand of our micro-loan will remain very strong, and the credit technology is the guarantee of sustainable development of micro-loan.By the many years development of Dalian Branch of Shanghai Pudong Development Bank, Dalian Branch had made some achievements, but there are also some problems. The development of micro-loan business is the guarantee of sustainable development of Shanghai Pudong Development Bank. This paper studies the characteristics of small business, with the existing technical principles of the analysis of micro-loan offers the situation analysis of micro-loan. The analysis of micro-loan covers the main ideas of analysis of micro-loan, besides financial analysis, sensitivity analysis, logic testing technology and software technology, information analysis, through the specific practice of various techniques, make the information of small business more clear, so that the bank can understand the small business and offer the services. Based on the analysis of Shanghai Pudong Development Bank Dalian Branch and the development of various types of Shanghai Pudong Development Bank Dalian Branch and the experience of other joint-stock banks, this paper offers the suggestion on micro-loan in Shanghai Pudong Development Bank Dalian Branch.By the analysis of other elements of micro-loan, this paper offers the suggestion on how to implement the micro-loan successfully. |
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