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Small Micro-enterprise Finance Business Development Research Of China Minsheng Bank Branch In Nanchang

Posted on:2016-10-12Degree:MasterType:Thesis
Country:ChinaCandidate:D ChaoFull Text:PDF
GTID:2309330482964536Subject:Advanced Business Administration
Abstract/Summary:PDF Full Text Request
With the deepening of China’s market economy development and promotion of the interest rate market, China’s commercial banks will face more intense competition in the market. Major commercial banks began to focus on the implementation of the strategic transformation, from the previous major advantage of relying solely on the customer’s business model to open up new markets. Small and micro enterprises as the main body of China’s important participation in the market economy, play an important role in promoting China’s market economy development process, at the same time,. The number of Small and micro enterprises is very large and involve almost all industries. However, because of its small size, small amount of money, and there is the development of uncertainty and other factors, which led to its financing problems encountered.In this paper, research objective of this paper is the small and micro financial services subsidiary of China Minsheng Bank Nanchang Branch, and analysis the problems of development of the small and micro financial services subsidiary of China Minsheng Bank Nanchang Branch,and find the measures. This paper found that the existing financial services of small and micro enterprises in Nanchang Branch of China Minsheng Bank has the following major issues:ack of the deposit of funds, which effects business development of marketing small and micro enterprises financial credit; insufficient efforts of developing customers leads to have less quality customers; the competition of small and micro business is homogenizate, and product advantage of Nanchang Branch is not obvious. The main reasons of Nanchang Branch of small and micro enterprises causing financial business problems include:lack of outlets and inadequate support mechanisms leads to insufficient funds; the lack of systematic customer relationship management system which leads the lack of depth of customer development; market environment, innovative mechanisms to increased competition of commercial banks with the industry.In order to enhance China Minsheng Bank branch in Nanchang small and micro business financial services capabilities, this study recommends that:Optimizing capital allocation is to expand sources of funding and increase deposit resources; to build customer management system, providing customer stickiness and play value customers; building product innovation system to meet the needs of different customers. Meanwhile, in order to guarantee the development of China Minsheng Bank Nanchang Branch of small and micro enterprises in the financial services, the need to establish safeguards:establish management business model based on the flow of information; the establishment of microfinance business assessment and incentives; and establish with the characteristics of small micro-credit business model. Fourth, Optimizating the model of marketing is to enhance the ability of business development.
Keywords/Search Tags:commercial banks, small and micro enterprises, small micro-finance, development strategy, financial innovation
PDF Full Text Request
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