Small And Micro Enterprises Financial Services Restructuring In Bank Of Lanzhou

Small micro-financial services according to national "SME plan type standard " provisions, based on small and micro loans based on the concept of integrated financial services. Core financial services to small and micro enterprises is a small micro-loans, which is today’s hot and difficult society-small micro-enterprise " loans, loans expensive " comes from. Therefore, strengthening small and micro financial services become imperative.This paper analyzes the problems of small and micro enterprises in Lanzhou banks facing financial services restructuring, the bank pointed to the practical work in Lanzhou, encounter problems of small and micro enterprises services, efficiency, risk, product, competition, external evaluation. Pointed out the small and micro enterprises to financial services and wholesale and retail business of fashion direction, and in this context, the introduction of a comprehensive customer satisfaction theory, and this theory, introduced the representatives present, China is applied to small and micro finance services products and organizational structure. Include:Wells Fargo Bank, Minsheng Bank Business Loan, ICBC bills pools, Construction Bank credit products. And made a wholesale transformation of the retail business direction for Maryland bank restructuring and upgrading of small and micro finance services with a wide range of applicable prospect. Thus, the paper focuses on the concept of small and micro financial services, small and micro financial services Lanzhou bank status and work study, specific embodiments Maryland bank restructuring of small and micro financial services designed to start a systematic elaboration. Meanwhile, also on the SWOT analysis Lanzhou Micro Finance Bank under service tools, small and micro enterprises in financial services business model, how to develop a cluster of small and micro business transformation as the core focus of small and micro-financial services.Finally, through the Bank-supported cooperatives Lanzhou actual development case, a limited liability company+farmers***lending practice case analysis shows the advantages of small and micro enterprises in Lanzhou bank financial services transformation practice deficiencies, and propose recommendations.