Research On The Improvement Strategis Of China Minsheng Bank’s The Joint Foundation Process

With the deepening of reform and opening up and the transformation of theeconomic system, the number of small and micro enterprises increased year by year,GDP contribution of these enterprises reached60%of the revenue contribution of70%, but also provides nearly80%of jobs around. We can say that the developmentof small and micro enterprises as the national economy has made tremendouscontributions. However, the contribution of small and micro-enterprises do not matchits financial markets have been treated. Due to the lack of small and microenterprises can be secured by fixed assets, relatively opaque financial informationand other factors, at the time the loan is often shut out banks and other formalfinancial institutions, resulting in a small micro-enterprise financing problems havebecome increasingly prominent. In light of this, the establishment of cooperatives ofsmall and micro enterprises, the development of mutual cooperation fund for smalland micro enterprises to solve the financing problem, has important theoretical valueand display significance.This article from the subject "Minsheng Co-operative Bank fund businessprocess improvement strategy," analyzes the background, purpose and meaning,mainly through small and micro enterprises Minsheng Co-operative Bank Fundanalysis found that its business processes and risk existing control and other issuesand defects, and to solve these problems and shortcomings, the correspondingimprovement strategies and recommendations. For the purpose of this study, researchideas and sort out issues of structural arrangements and mutual assistance fund fromthe definition and characteristics, aspects, mode of operation, the difference with thetraditional credit products, the status of customer needs, business developmentdisorders, analyzes the mutual assistance fund Situation origin and purpose ofbusiness development. Since mutual assistance fund business at the time of thespecific implementation, has its own characteristics with operational processes, but there are still some problems, it is necessary to improve business processes, theproposed mutual assistance fund business operations and processes based on this keynodes improvement strategies, including mutual assistance fund operations processimprovement strategy, marketing strategy and improve risk control node processimprovement strategies. In the mutual assistance fund operations processimprovement strategy, small and micro enterprises proposed qualification reviewprocess, membership fees to pay process and improve other aspects of the loanprocess; improvements in mutual assistance fund marketing strategy node proposedsmall micro-enterprise loans cause analysis and outreach strategies to improve mutualassistance fund; process improvement in risk control strategies proposed to speed upthe legal system, increase policy support to help mutual assistance fund virtuousdevelopment track; increase financial support of the Government and the formalfinancial institutions efforts to expand promotional channels; strengthen riskapproach building mechanisms such as mutual assistance fund their ownimprovements.Establishment and development of mutual cooperation fund small and microenterprises to solve the urgent needs of cash flow difficulties, has been welcomed bysmall and micro enterprises. But mutual assistance funds also should pay attention totheir healthy development, operational risks, reduce non-performing loan ratio, andseek legal and policy support for social and economic development and make duecontributions.Due to the mutual cooperation fund business for emerging business, still exist inthe development of the various business units do not have a unified developmentideas, lack of risk consciousness, management does not reach the designated position,in order to further promote mutual understanding and using of fund products,specification of mutual fund management and promote the stability of the mutualfund, the sustainable development, in view of the mutual fund, the author made aseries of research and demonstration, puts forward some methods to improve thebusiness.