The Countermeasure Research Of Development For Small Micro Enterprise Financial Cooperative-mutual Fund Of CMBC

As a part of the small and medium-sized enterprises, small micro enterprises accounting for about99%of the total number of national enterprises, for the domestic employment and economic development provides a powerful momentum, become an important part of economic growth and economic development, social stability and stabilizer. But its financing difficult problem is very outstanding, given the current situation, which not only national policy support, the domestic commercial Banks should also be timely launch of small micro credit products, in expanding the horizons of small micro enterprise services at the same time improve the quality of service.Small micro enterprise financial cooperative mutual funds of CMBC introduce imperative:on the one hand, not only the domestic of small micro enterprise financing support environment in optimization, the small micro enterprise financing support on international experience is worthy of reference for domestic commercial Banks; The Banks themselves, on the other hand, the pursuit of profit and microscopic factors such as market competition intensifies also promotes the credit product innovation of commercial Banks.The basic content of small micro enterprise financial cooperatives mutual funds of CMBC is through the "small micro enterprise financial cooperatives" and "mutual fund" coordination, for small micro in front of customers, including loans, financial services. Before the products are different from traditional credit products of credit, credit and post-loan management process, there are different from traditional credit product profitability and product innovations, including:concept innovation, model innovation, management innovation and service innovation.Based on the concept of the product, operation strategies and innovative analysis, we found that the product is facing the following seven aspects:first, the products are lack of brand influence; Second, the traditional credit management system and the small micro enterprise loan features do not match; Third, the traditional risk management system and small micro enterprise loan features do not match; Fourth, small micro credit products coverage is narrow; Fifth, small micro client risk management cost is high; Sixth, from other commercial Banks developing characteristic small micro credit products pressure;7, the national policy, legal support is weak. Based on the above problems, summarizes seven pieces of countermeasures, including:strengthening brand awareness, improve the credit management system, perfect risk management system, customer management and improving service quality, construction of small micro specialized Banks and rural Banks, strengthen the team building, strive for policy support and legal protection.The CMBC developing small micro enterprise financial cooperatives the counter-measure research of mutual funds is based on "small micro enterprise financial cooperatives mutual funds" point of view of financial credit product analysis, in theory, in the form of instances of rich small micro theory of financial products, to improve the present situation of the domestic theoretical system is not mature; In practice, on the one hand, in order to solve small micro enterprise loan is difficult to explore the new mode, so that the domestic small micro enterprises enjoy a more comprehensive and high quality financial services, on the other hand, on the basis of the study countermeasures to the product strategy, to provide technical reference for other Banks and empirical support.