On The Sustainable Development Of Microfinance From Chinese Bank

With the development of society, the deepening of the reform and the bankcompetition in the financial market changes, so that the bank has a profoundunderstanding of the pricing mechanism of financial services and products directlybring important influence to the survival and development of enterprises. Therefore,improving the quality of bank services and control of micro credit cost is a necessarycondition for bank steady development, and only through the high quality financialservices and scientific and rational financial product pricing mechanism, in order tofundamentally enhance the core competitiveness of banks.Based on this, this paper takes the historical development of microfinance athome and abroad, analysis of sustainable development of microfinance Bank studyroad. Among them, to the development of Changshu rural commercial bank microcredit as an example, analyzes the development of microfinance operation in ourbanks, the use of soft information asymmetry deviation analysis theory analysis ofcustomer default cost, strict control of customer default risk, reducing internaloperating costs through product standardization, operation process, managementintensive, risk diversification, professional team of credit factory theory, study of aChinese bank microfinance sustainable development road.The research of this paper to have important theoretical and practical role inguiding the development of China’s Bank micro credit, to enhance the corecompetitiveness of China’s banks also play a decisive role.