Research On Introducing IPC Micro - Loan Technology In Bank

With the rapid economic development, the development of small and micro enterprises have gradually emerged. Our country is not only a huge number of small and micro enterprises, and are faced with the pressure to expand the scale and development of small and micro enterprises. so, the market is facing a huge financing needs. Therefore, it is important for our traditional credit financial institutions to innovative microfinance products. By meeting the credit needs of small and micro enterprises, various financial institutions have gradually found other financial needs of small and micro enterprises, and to deposit, insurance, finance, foreign exchange and other products into small and micro enterprises to meet their various financial needs, created a small micro-finance model. In China. small and micro credit and micro-finance small still in its infancy, the face of the huge market demand, the needs of small and micro enterprises in the financial sector has gradually become the focus of contention by the banks.Compared to other financial institutions, banks have a unique advantage with its banking network, manpower, services, etc. In recent years, some city commercial banks, joint-stock banks and rural financial institutions are take microfinance as an entry point for them to enter the small micro amounts markets. The huge market potential, but also to bring great challenges to banks. How to find new profit growth point, provide better financial services for small and micro enterprises, make banks thinking a lot. By virtue of its product innovation capability, manpower and risk control ability, banks can reduce the risk and operational costs, and promote their sustainable development in carrying out small and micro finance business.The National Development Bank analysis of the status of domestic micro-loan industry, and start a pilot project of small micro-finance credit in2005. They signed project cooperation agreements with the Baoshang Bank, Taizhou City Commercial Bank. After a few years, by taking successful experience of small micro finance credit programs, many domestic commercial banks introduce the IPC Credit technology to develop their own micro-loan market.C Bank is a local commercial bank. In this paper, we introduce the banks’successful experience, then take C Bank as an example. By analyzing the results of market research, we demonstrate the feasibility for C bank to introduce the IPC Credit technology microfinance technology. By describing the development process of the micro-loan business in recent years, we introduce the IPC Credit technology in C Bank. We also studied micro loan business development status and problems in the development process of C Bank, and put forward the corresponding suggestions and countermeasures through these analysis of the problem. On the one hand, we put the micro-loan technical theory into practice and verification. On the other hand, we provide a reference for new ideas for other banks, and it has an important practical significance.