Analysis Of Z Bank D Branch Micro-credit Business

As the world economic globalization and the deepening degree of international capital starts to flow in the world, developing countries are faced with a rare new opportunities in the international market competition. But precisely because of enhanced liquidity exacerbated the financial risks, developing countries faced a huge challenge. Under the background of the global economy in China, as the world’s largest developing country, we are also actively adjust their macroeconomic policies to adapt to change continues to happen. Rather than public ownership economy to flourish despite our country’s economic vitality is enhanced, but the corresponding financial support has not kept pace with the development of severe financial services mismatch issues are also increasingly prominent. This aspect leads to excess bank liquidity problems, on the other hand lead to lack of financial support by funding needs, both coexistence seriously hampered the future development of small and micro enterprises.In recent years, the small micro enterprise financing difficult problem is rising, the government and financial regulators have issued a number of measures, that Banks in the credit policy, credit lines and mechanism system, internal management, and other aspects of small micro enterprise loan management alone, for financial institutions to issue small loans "not lower than the two" policy (namely small micro loan growth is not lower than the average loan growth, incremental level business objectives) is not lower than the same period last year. In 2013, the China banking regulatory commission issued the China banking regulatory commission on further do a good job of small micro enterprise financial services guidance for the banking financial institutions should as guidance, further strengthening the construction of small micro enterprise financial service mechanism system, effectively reduce the small micro enterprise loan threshold, broaden the channels for the small micro enterprise financial services. Accelerating at the same time as the level of interest rate liberalization, Chinese commercial Banks generally faced with the problem of strategic transformation, Banks of micro finance credit business is becoming more and more attention, small banking financial business has become the new "blue ocean"^ "Financial community", the concept of "pratt & whitney financial" gradually accepted by commercial Banks, commercial Banks is a premise to realize the sustainable development of itself, by simply provide loan services for the enterprise development to provide small customers including loan, deposit, insurance, etc. A full range of financial services.Based on the Z bank D branch, small loan business as the research object, in the six months to complete, on the basis of field investigation through the summary and the summary of relevant materials, studies the Z bank microfinance bank business development history and status quo, in-depth analysis the Z bank characteristics and the current market environment facing; With the help of a commercial bank market positioning and competitive environment analysis theory research results of Z bank microfinance products appear in the problems and the causes of the problem carries on the shallow analysis, and discusses the countermeasures of its development, aimed at the development of Z bank to targeted to take effective strategy and improve competitiveness.This paper is including four parts.The first part is the introduction.The second part is D bank Z branch small loan business survey. This part mainly introduces the present situation and the product characteristic of the small loan business of D bank Z branch.The third part Z bank D branch is small loan business in the existing problems and reasons analysis. In the business mainly includes:the Z bank D branch small business loan proportion is unreasonable, microfinance clients screening criteria are too stringent, loan business audit procedures are too cumbersome, microfinance sector and management personnel lack, small business loans lack of innovation; and the cause of the problem mainly includes:the micro credit risk control mechanism has not yet been established, bank microcredit business process is flawed, the bank micro credit loan management ability is weak.The fourth part is the small loan business improvement suggestions of Z bank D branch.Suggestions to improve the microfinance business problems mainly include: strengthen the construction of human resources D branch of Bank of small business loans; Strengthen the risk of small business loans tube the establishment of credit risk monitoring system of microfinance,Inprove Z bank D branch small loan business innovation ability.