The Research On The Micro-finance Of Joint-stock Bank

After the Third Plenary Session of eighteen, Small and micro enterprises have been the most active in the development of all walks of life. Small and micro enterprises increasingly become an important part of our economy. Developing small and micro economic is not only for China's economic restructuring provides a great role but also provides thousands of jobs for all regions. Meanwhile, the number of small micro-enterprises showing explosive growth. Domestic commercial banks have also started to engage in small and micro finance business, and explore the road of development of small and micro finance. Joint-stock banks in the state-owned banks have under repression,joint-stock banks will finance up to the position of small and micro enterprise strategy.In this context of this article, to joint-stock banks as a starting point, combined with the small and micro finance this clue, research joint-stock banks of small and micro finance business, using SWOT analysis, discussion of the advantages and disadvantages of small joint-stock banks and micro finance encountered opportunities and Challenges, and then combine all these years of practical experience of Minsheng Bank to carry out small micro-finance, analysis and experience of Minsheng Bank's model of success, to find other joint-stock banks can learn from the place, concluded the joint-stock banks to develop small and micro finance Suggestions. First, a small micro-finance strategy to strengthen our position on the strategic importance of small and micro finance; secondly to adjust the small micro-finance organization, rationalize resources; also innovative customer business marketing model, to seize the market; and finally to establish a comprehensive risk management system, the risk minimize, to the range can be controlled.