The Comparative Study Of Domestic Listed Banks’ Small And Micro Finance Business

The small and micro businesses occupy an important position in China’s national economy. In recent years, the country continues to strengthen financial services for small and micro businesses policy support, through the implementation of the tax incentives and improving the business environment of small land micro businesses and other measures to support small micro enterprises.By using these measures,which can promote the sustainable development of financial services for small and micro businesses.Under this macroeconomic context, domestic commercial banks are actively expanding to small and micro finance. Small and micro finance business of commercial banks emerge a strong competitive momentum.This paper summarizes and analysis of the 12 listed banks report, making a summary of the evolution that each sample bank’s small and micro finance business development strategies, comparing their business development process.From the balance of small and micro loans and changes in revenue growth rate, small and micro loans accounting for changes in the proportion of loans to business trends, small and micro business lending bank’s contribution to the change in the loan businesses performance.From the three micro-finance aspects,comparing the trends between each banks’ small and micro finance business development.To evaluate each sample’s strategic situation of small and micro businesses,using the financial analysis method and select appropriate indicators to build strategic posture evaluation system form which we can obtain each sample banks’ comprehensive situation of small and micro finance business. Using of strategic analysis method and comparative study method, the selected twelve sample banks are divided into different strategic groups and found that each sample bank’s existing small and micro finance businesses development issues, proposing countermeasures to optimize small and micro finance businesses development.The results show that: the small and micro finance businesses has become the emphases of the development of China’s commercial banks business.Whether it is state-owned banks or joint-stock commercial banks, city commercial banks, according to their characteristics, target market positioning,each sample bank can produce adapted to small and micro market products which has its each advantage in product features. Strategic situation of small and micro finance businesses to a certain extent, affected by the phenomenon of China’s banking monopoly. Although the market sharing of state-owned commercial banks with a temporary lead.its leadership is declining and focused on presenting a growing lack of motivation short board competition. While other domestic listed banks are trying to speed up the growth rate, increasing market share, rising operating capability status every year.