The Analysis Of Small And Micro Finance Business In China Minsheng Banking

Since the1970s, a large number of small and micro enterprises began to enter into thecountry’s economic arena. Small and micro enterprises as China ’s economic developmentis gradually in the operating agency management, management style, philosophy and sohave a lot of progress, the number of small and micro enterprises, more and more spacefor a growing majority of the development. Today, small and micro enterprises havebecome an important part of China’s market economy. Development of small and microenterprises driven society for employment, creation of productive value, boosting socialand economic development has an extremely important role. However, small and microenterprises to seek financing in the development process has always been difficult Luredcannot get strong financial support makes the small and micro enterprise development andgrowth is increasingly difficult.China’s economic restructuring in the financial " disintermediation " of the externalsituation, homogeneous competition among commercial banks increasingly competitive,more and more commercial banks to small and micro enterprises to see behind the broadspace for development, and gradually began to get involved in small and micro enterprisesthe financial sector. Commercial banks for small and micro business customers launchedUnlike traditional banking and financial products and services, expect to find new profitgrowth point of the commercial banks in the new blue ocean areas. But more than thenumber of small and micro enterprises, and high risk of commercial banks also makessmall and micro finance market expansion is also facing difficulties, so the design andestablishment of the system of personalized products and services for small and microfinance will be the focus.This article will be a leader in small and micro enterprises carry out financialbusiness-China Minsheng Banking is a principal object of study, small micro-enterprisedevelopment and promotion of financial perspectives on development status of China’scommercial banks to finance small and micro enterprises, external for commercial banksmacroeconomic environment, industry competitive landscape and internal values andother issues, analyze Minsheng Banking to respond to market small and micro finance business core competencies and weaknesses, combined with the Wuhan Branch of ChinaMinsheng Banking industry-specific case for effective combination of marketing strategicplanning, summed effective Minsheng Banking more in-depth way to open up the marketof small and micro enterprises, small and micro finance business conduct provide strongreferences, driving other commercial banks can pinpoint positioning itself to better servethe domestic small and micro enterprises.