Study On Small And Micro Financial Service Model Of China Joint-stock Commercial Bank

In recent years, the focus on development of micro and small enterprises has been referred to an unprecedented height. At present, with the good environment for the development that encourage people to do business creatively and drive innovation, the adjustment of industrial structure and acceleration of the urbanization level has become the long-term develop strategies, thus, the support of development for small and micro enterprises is an important measure for the implementation of this strategy. On the other hand, there are many factors could compress the profit growth of banks, such as the acceleration of the marketization process and financial disintermediation, and so on, which mean the transformation of banks is extremely urgent. Banks should make an effort to solve the financing problem for small and micro enterprises, which is not only the social responsibility, but also beneficial for development strategy and business transformation. Business loan that could provide the support for the micro and small enterprises professionally had been carried out earlier by China Merchants Bank. In this article, by means of the cases and comparative analysis, it is found that with the increase in business loan market share, loan risk also increased; relying on China Merchants Bank a huge number of retail customer base, small and micro new customer display with, but too much dependent on the stock of customers; product design innovation, to meet the multi-level customer needs of small and micro, but still need to quality of customer to strengthen management, implement the gradient division, avoid credit risk. Furthermore, according to the business credit deficiencies, several advices of further optimization were also gave in this study. The results demonstrated that small and micro finance has gradually become a lucrative market for joint-stock commercial bank, and one of the strategic levels of transformation and development. The development of business loan could provide a solution of financing for small and micro enterprises and it also offer the inspiration and help for the start-up small and micro finance banking institutions, small loan companies and other organizations.