How Do The State-owned Banks Improve Microfinance Under The Background Of China Market-oriented Reform Of Interest Rate

At present our country’s banking industry, especially large state-owned Banks still cannot meet the demand of small micro enterprise financing. Although small micro enterprise made great contributions to perfect our socialist economic system, enrich people’s material and spiritual life and promote social employment, but they always in a weak position in economy, generally facing "discrimination" in banking industry. Under the interest rate controls, small micro enterprises even willing to pay higher interest rates are still difficult to get loans from financial institutions. Today, the shortage of funds seriously affected the healthy development of small micro enterprises.In addition, as the international economic downturn, coupled with raw materials and artificial cost rise, profit margins of micro enterprises are further squeezed, business also faces severe difficulties. Therefore, some owners can accept the high rate of social capital, and furthermore, the funds play "musical chairs", they greatly undermined the credit system of our country."Wu ying case" in2011will further expose the defects of financial system in our country. The characteristics of small micro enterprise loan is "Duan pingkuai" in China, but because of the impact of asymmetric information, our bank especially large state-owned bank in China for small micro enterprise loan approval process are often too cumbersome, the threshold of collateral is too strict, causing credit funds flowing to state-owned monopoly enterprise for a long time. It made a contradiction between small micro enterprise strong capital demand and supply system of China’s banking industry in China. According to the experience of developed countries shows that the development of small micro enterprise is directly related to the level of national economy.This paper expounds the related concepts of interest rate marketization and small micro enterprise, and from two angles to analyze the contribution of micro credit for the banking industry. On the one hand is due to the marketization of interest rate step by step, our banks in the future for a period of time will facing the reduce of interest margin. At thar time big enterprise also began to issue bonds, financial disintermediation deepen gradually, our country banking industry urgently needs to improve the micro credit to break through the dilemma. On the other hand is due to small micro enterprise for a bank’s own value and importance for the national economy to get Banks also need to gradually establish a corresponding small micro credit system. In addition, this article through to the successful experience of Wells Fargo and internship experience in state-owned Banks, and combine with many scholar’s article and small micro enterprise present situation of the research report, according to these data and the status quo of China’s small micro enterprise loans to analyze the reason about small micro enterprise loans difficult, finally through these reasons to find the ways how to make our banking industry meet the small micro enterprise financing, such as the customer structure adjustment, innovation loan products and layered marketing, one of the most important way is to batch mortgage-backed credit model and innovation of mortgage guarantee modes. This is the small micro credit in China’s banking industry urgently to solve two problems firstly. However, many systems and models in the field of small micro credit is a global economic and social problems, this paper point of view is only here, hope to relief the contradiction of supply and demand of fund between small micro enterprises and Banks.