The Research Of Minsheng Bank In Supporting The Development Of Small And Micro-enterprises

Small and micro enterprises have played a very important part of economic developmentin China’s economic structure, and greatly promoted the economic development. In order toensure sustainable economic development, China must increase efforts to support and protectsmall and micro enterprises, however, in the process of the actual development, the financingdifficulties of small and micro enterprises has been a key factor in restricting its development.Therefore, how to alleviate the status of financing effectively is the urgent problem placed infront of China’s commercial banks.In the environment of accelerating process of domestic market interest rate, transferbanking services to small and micro direction as the transformation is inevitable. Meanwhile,as a earlier restructuring private banking business, focusing on small and micro financeservices, the development process of Minsheng Bank’s small and micro businesses is thefocus of the industry. Based on the above analysis, we believe that the analysis of MinshengBank financing in support of small businesses and micro-enterprises has a critical significancein theoretical and practical.In this paper, we put Minsheng Bank as a representative, and on the basis of domesticand foreign research and China’s commercial banks status of the small and micro enterprisesas a whole, analyzed Minsheng Bank financing services to small and micro enterprises,including "around two chain" clusters credit model, small and micro service professionalBranch pattern, urban commercial cooperative model and the representative product-Shangdaitong, and then presented the problems of Minsheng Bank financing services tosmall and micro enterprises, such as limited bank assessment incentives to expand the role ofsmall and micro customers; single specialized products for financing of small and microenterprises; slightly nervous of banks own liquidity problems; inadequate customerdevelopment and so on. In order to supply better service for small and micro enterprises, weprovided some countermeasures and suggestions for the services, including innovatingfinancing banking management system about small and micro enterprises; innovatingfinancing models of small and micro enterprises; improving the configuration mode toincrease the financial resources and making more efforts to develop a comprehensivecustomer etc. This paper aims to analysis Minsheng Bank in detail, learn from MinshengBank, and indicate suggestions on the assessments of the bank incentives, product system of financing, concerns of bank liquidity and further improvement of customer potential areasMinsheng Bank needs to do. We hope take Mingsheng Bank’s small and micro enterpriseservice analysis as a representative, making some significance for the development of otherdomestic commercial banks to small and micro enterprises financing services.