Kunshan Rural Commercial Bank Microfinance Operation Mechanism And Performance Evaluation

The development of micro-credit is an important means of personal income disparity, solve the imbalance of regional development and the limitation of resources problem. The party’s eighteen big reports emphasize again,"to speed up the development of modern agriculture, enhance the comprehensive agricultural production capacity, to ensure national food security and the effective supply of major agricultural products". While the rural development, agricultural infrastructure construction, to farmer’s poverty alleviation and the channels for farmers to expand all need a lot of money, and microfinance can not only solve the problem of rural finance, rural development can also support, to solve the "three rural" opened a new road.Evaluation of operating mechanism and performance about microfinance, at present domestic and foreign experts and scholars have made a more comprehensive and in-depth research, and achieved fruitful results. But these researches is to study from the macro level, the lack of empirical research on the. In this paper, based on the new era background, on the basis of the existing research, the Commercial Bank of Kunshan as the research object, focusing on analysis of Kunshan commercial bank microfinance operation mechanism and performance evaluation, focusing on the improvement of Kunshan commercial bank microfinance suggestions on policy, on one hand and to provide reference for promoting the development of rural Kunshan commercial bank credit, enrich and develop on the other hand is the theory of rural microfinance.The basic thought of this article can be divided into three levels, first of all, starting from the analysis of international and domestic background, theoretical background, connotation, research on rural financial microfinance mode and significance, and provide a theoretical basis for the development of deep research and discussion to improve Kunshan rural commercial bank credit; secondly, analysis of the operation mechanism and performance of micro-credit in rural areas of Kunshan evaluation of commercial bank, provide a realistic basis for the further research and Discussion on the development of Kunshan rural commercial bank microfinance; again, the learning mode of development and experience of foreign microfinance bank, explore the countermeasures and suggestions to improve the micro-credit Kunshan rural commercial bank.The results show that, the realization of scientific development of rural commercial bank credit, not only need to diversify funding sources, reasonable market interest rates, but also necessary risk control and good internal operation mechanism. At present, the development of Kunshan rural commercial bank, microfinance has lost market share, increase operational risk, insufficient supply of rural credit facilities, intermediate business problems, lack of the quality of employees is not high enough to support, policy, only a clear development orientation, depth of credit management, improve the quality of the stock of loans, credit service transition of credit development mode, development will the Kunshan rural commercial bank credit more robust, more sustainable, more scientific.