The Strategic Research On Sustainable Development Of Small Micro Financial In Joint-stock Commercial Banks

In the national economy system in our country, micro enterprises occupy the important position.The big community is one of the important part in our national economy system and the most dynamic group in the Chinese economy.Restricted by various factors, micro enterprises in our country have long been less credit support,and its development has been in a state of "financial repression".In recent years, the transformation of the mode of economic growth has become a profound revolution in the field of domestic economy.Countries also improve the micro enterprises production and operation environment and strengthen the support the development of small enterprises.Under the background of the macroeconomic situation, the small micro financial business has gradually become the field of domestic commercial Banks.Joint-stock commercial Banks are very dynamic in the banking system, for its own business development needs,they elevate the small micro financial to the level of the enterprise development strategy.The bank pushes micro enterprises strategy,it can not only innovate the business development mode,but also accelerate its structural transformation and enhance the level of corporate profits.It is the key measures to meet the requirements of China’s economic structure transformation.Research framework of this article mainly adopted from the more general to the specific to the general train of thought, through the bank of the current development status of small micro financial analysis, and combining with China minsheng bank to carry out the small micro financial model of successful experience and enlightenment, in order to further promote the shareholding commercial Banks in China small micro financial sustainable development put forward some useful Suggestions.This article first introduces the basic theory of small micro financial.Theory combines with the actual at the same time,micro enterprises are classified according to the different areas and industry enterprises,and the development of small micro financial market provides a preliminary estimate.Second,according to the view of the small micro financial in domestic joint-stock commercial Banks,it studies the current situation of the development of small micro finance of our country, and uses the SWOT analysis method to analyze the strengths, weaknesses, opportunities and challenges of the small micro financial in domestic joint-stock commercial Banks. The detailed analysis of the development of small micro finance will be affected by the influence of internal and external factors. The external factors are the economic situation, regulatory constraints, market potential, competition and so on. The internal factors are deposits and capital constraints, risk pricing mode, management mode, service concept and so on. In specific cases it selects the most representative of the domestic development of small micro current financial business as the research object,namely China Minsheng Bank. It analyzes several aspects about Minsheng Bank small micro financial development model for example the business characteristics, pricing strategy, risk management and so on.Finally, it promotes that specific measures should be taken to expound the small micro financial business development,such as the business model of sustainable development, the operation ways of information management, enterprise culture and talent. Based on these three aspects it realizes to promotes the sustainable development of small micro financial business and puts forward strategies about the sustainable development of small micro financial. The strategies are that we should put the risk pricing power in the center, and accompanies the capital source,development strategy, management pattern transformation these four aspects.