Research On The Development Strategy Of Micro Bank Loan In

With the rapid development of China’s market economy, problems of the "three rural" appear gradually.The farmers need to increase their income,and agriculture needs to increase the output,while the rural needs to develop. All of these is mainly concerned with the increasing input of the agricultural, while the credit investment is the main source of agricultural input. As a member of the main force of the rural financial system, LC bank upholds the concept of "Inclusive Finance",and gives high attention on the "three rural" financial services work. It has always taken the support to the "three rural" economic development as the inherent requirements of social responsibility, and given full play to the advantages of its network to further improve the financial service in rural and urban areas. Taking the intermediary business and retail business as the main way, it provides the basis financial service for the vast rural area and the urban community residents, and complement with other commercial banks in the area of financial service to support the new socialist rural construction. In accordance with its own characteristics, LC bank takes the microcredit as its core strategy of the business, using advanced international microcredit technology, and has already obtained a big achievement of the stage.The development of microcredit in China has experienced the early pilot phase (1993-1996), the expansion phase (1996 to 2000), the formal rural financial institutions fully involved and various projects got into institutional construction phase (2000 to 2005), and the new stage of "commercial microcredit"(since 2005).China’s development of microcredit has experienced more than 20 years.It began among the non-governmental agencies,and now has entered a new phase.But the development of microcredit in China is still hardly meet the demand of social economic development. And microcredit itself is facing a series of problems, such as lack of guarantee mechanism of the final repayment, the high cost of credit operation, the lack of social credit system etc.At the same time, microcredit itself also exists some hindering factors, such as the single target at poverty reduction, low interest rates, the lack of management supervision mechanism and qualified personnel. All of these is not conducive to the sustainable development of microcredit in china.This paper takes the policy background of the proposition to China’s "three rural"issues as a starting point, has conducted a thorough research upon the microcredit related theories, concepts, service mechanism, development mode and so on. This paper combines theory with practice, and strictly follows the logic way of thinking and research methodof question proposition-question analysis-qusetion resolve, in order to find out the way to solve the problems to promote the healthy and sustainable development of microcredit. Through the analysis of management situation of LC bank, we find out the key factors that restrict the sustainable health development of microcredit,according of which we propose several development strategies from the aspects of strategic positioning, product innovation, marketing innovation, capacity building, invigorating employing mechanism, risk control system etc. And finally we point out the guarantee measures during the microcredit development process:: establishment and perfection of the risk early warning system,scientific management of human resources, scientific use of information management system.