The Survey Report Of Commercial Banks Developing Micro Finance Business

Micro enterprises is an integral part of China’s national economy and having far-reaching influence on national economy. According to relevant data statistics results, micro enterprises account for 99% of the total number of enterprises and contribute to our country GDP rate of 60%. What is more important,80% of the employment are created by micro enterprises, but financial services obviously unable to meet the demand of the growth of small enterprises. This article describes difficulties and characteristics of small enterprises and gives corresponding suggestions.This paper introduces the definition and the characteristics of small enterprises: Small scale,huge numbers, single product category, the owner family management, the management level lag behind, low survival rate. Thus can clearly see that small micro enterprise loan default risk is higher and give explanation of the difficult to carry out small micro finance.Despite the micro financial business risk is higher, but the commercial bank want to grab the market. Banks and financial institutions involved in with the traditional model, but homogeneity competition causes small micro loans and relevant profitability. Therefore, this paper discuss the small micro financial service pattern and gives both beneficial Suggestions.