Research And Development Of Small Micro-finance Commercial Bank

With the rapid development of market economy, small and micro businessesreceived strong support from the government in recent years, the microfinance willbecome a part of our essential. At present,the development of micro-finance in Chinais still in the initial stage, and because of China’s special economic environment, needto combine the actual conditions of our country to study requires micro financialdevelopment system, financial support and supervision, to explore ways of China’smicro-finance institutions construction. Since2011, continued to run high depositreserve rate and loan-to-deposit ratio control seriously restricts the development ofcommercial banks of scarce capital management. According to financial statistics datashow, the year2011RMB loans increased by7.47thousand billion Yuan lessyear-on-year increase of390.1billion yuan credit line, unable to meet the traditionalcommercial banking business needs. Continued funding pressure to the commercialbanks operating profit increased damage.Therefore, intensive development hasbecome the consensus of the transformation of commercial bank operation. From theretail business of commercial banks since the property market regulation to personalloans must be influenced by the bank income influence. With the property market in2012continued to control most of the banks to adjust credit structure to small microfinancial market. In view of this, to explore the theoretical and empirical analysis ofdeep in our commercial bank small micro financial institutions development, trying todraw some useful conclusions and implications.This article unifies our country politics, the economy, the financial structure ofthe actual situation and the demand, from the China Minsheng Bank, Bank of Beijing,China Everbright Bank and China Merchants Bank small micro financial developmentsuccess stories, a full range of system foundation and the development condition ofestablishing small micro financial institutions. From the commercial banks operatingenvironment of the financial and tax policy, local government support measures and small and micro businesses debt market will give the development of small microprovides a good foundation for the development of financial business bank, to providenew business for commercial banks in the retail business point of growth.Opportunities and challenges in the article in view of the present our country smalland micro financial institutions are facing, puts forward correspondingcountermeasures and suggestions. Small micro financial great development space, isexpected to become an important pillar of the development of China’s commercialbanks.