The Research On The Operation And Management Technology Of Micro Credit Based On The Practice In Changshu Rural Commercial Bank

With the continuous advance of economic globalization, China’s smallenterprises are developing rapidly, due to the small enterprises to solve theemployment problem of the main problem of the development of micro enterprises,therefore the research has more practical significance, at present, the main problemsfacing China’s small enterprises financing difficulty is, internally, due to the smallbusiness development is not mature, no relatively perfect financial system; from theexternal environment, micro enterprise risk is bigger, the cost is high, it can notprovide eligible collateral, therefore, small enterprise is very difficult from thelarge-scale joint-stock banks to obtain financial support.In2005, the China Banking Regulatory Commission issued a small enterpriseservice "six mechanisms", encouraging small and medium-sized commercial banksin China to change the development strategy, according to the actual situation of thepositive development of micro loan business lines, at the same time, the state alsomake corresponding adjustments in the laws and regulations, to the phase of loosepolicy and legal environment, and provide more a rich platform for small businessloans, to increase support for small enterprises. Since then, our country began tomicro credit, also known as micro credit pilot project finance. These a few years,pilot work experience with popularization and development, promote micro credit tolarge-scale development road. Changshu rural commercial bank from the beginningof2006August, the introduction of Germany IPC credit technology, introduced themicro enterprise credit business, services mainly for small enterprises, theintroduction of credit technology is a good solution to the information asymmetry between the small enterprise and the problems of the banks, in solving the smallenterprise financing difficult problem at the same time, to promote the sustainabledevelopment of Changshu rural commercial bank and, after years of development,has certain experience and relatively mature technology for micro credit sector. Inthis paper, using the method of literature, a simple analysis of the micro credit pilotresults, use the method of case study describes the core elements of operation flowand management technology of Changshu Agricultural Bank of micro loan, providescorresponding suggestions and improvement of micro credit managementtechnology.