The Problem And Development Strategy Of Microfinance Of Quanzhou Bank

Small and micro enterprises,as the entity economy’s most microscopic cells andits most dynamic part, have special important position in our economy and society.However, their financing problems seriously affect their healthy development by along term.Presently, most researchs on the financing problems of small and microenterprises and microfinance services target at the whole nation, rarely target attheir financing characteristics of specific area, and the microfinance serviceproblems are rarely researched based on the bank angle.So this paper studies thefinancing problems of small and micro enterprises in QuanZhou area,and in order toinprove finance serving entity economy’s level and promot the “second wenture”ofsmall an micro enterprises in QuanZhou,this paper concretly researches themicrofinance services and the development strategies of the local commercial banknamed QuanZhou Bank based on the bank angle.Firstly, the development situation,financing status,financing problems and thereasones of small and micro enterprises in QuanZhou are analyzed in the paper,usingboth of qualitative and quantitative analysis method,with reference to relateddocuments.And we found that the development of small and micro enterprises inQuanZhou is good, but the financing situation is not optimistic, existing manyproblems such as private-loan financing,direct financing channels are limited andindirect channels are limited by credit crisis,high financing cost and so on,the maincauses are their own congenital disadvantages, not standard finance, asymmetricfinancial and business information,their credit crisis, security problem, not perfectrisk management system of the bank and the financial system.Secondly, based on the bank Angle, microfinance service status of the localcommercial bank named QuanZhou Bank is presented,and its opportunities, threats,advantages and disadvantages are summarized in the paper, using SWOT analysismethod.We found the available advantages, the disadvantages which need toneimprove, and the problems which need to monitor and avoid.At last, from the view of the optimization microfinance of organization structure and incentive mechanism,professional team construction,productinnovation,credit mode,risk control and so on, we put forward the specificdevelopment strategies,adopting case study method,refering trade good practice, andconnecting with the SWOT analysis results of microfinance service of the bank ofQuanZhou.