The Research On Small And Micro Enterprises Financing Management In MS Bank

Small and micro enterprises is the micro foundation of economic development in China, which could boost the market prosperity, expand employment, increase financial revenue, and safeguard social steadiness. In recent years, MS Bank has paid great attention to the development of financing businesses for small and micro enterprises. In view of the specific demands of small and micro enterprises on financing, favorable operation effects have been achieved by systematic thinking and exploration of innovative financing mode. However, there is large risk and high management cost in the financing of small and micro enterprises of MS Bank. This paper takes the cases of small and micro enterprises financing in MS Bank, analyzes the present situation, describes the main problem in developing the financing service for small and micro enterprises, and puts forward the solutions to the financing problem of and micro enterprises financing in MS Bank.First, this paper describes the research background, research significance, research content, and methodology and research path.Secondly, this paper describes the present situation of the financing, including finance service and finance team.Thirdly, using a large number of interviews with small and micro enterprises as well as the bank personnel engaged in small and micro business and based on questionnaire survey, we analyze the problems. The result shows that less product type and single service mode, high risk, high management cost, low customer satisfaction are four problems that MS Bank faces.Then, using the management theory, this paper deeply discloses the reasons of financing problem confronted by MS Bank. It is found that lagging financial services platform construction, weak risk management mechanism, lagging professional management team construction and weak consciousness of financial services are four major reasons of these problems.At last, this paper discusses the countermeasures to be taken to solve such problem from four aspects of strategic transformation, risk control, professional management team building and financial service consciousness strengthening.