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

SMEs play in the process of China's economic development an important role,its value and role in the economic development of more and more obvious.Since China's reform and opening up,China's continuous development of SMEs,the number of enterprises up to 4000 more than one million,the rapid development of SMEs continue to provide for China's economic development momentum.In this study,Minsheng Bank Nanchang Branch of small micro-enterprise financial services as the research object,find their business models existing problems,based on exploring the Minsheng Bank Nanchang Branch of small micro-finance business model optimization policy on the basis of the relevant conclusions are as follows :First,the existing small micro-finance business model Minsheng Bank Nanchang Branch is to take "law of large numbers of mass-based" business model.This model also has some shortcomings,mainly as follows:(1)unable to provide customers with customized financing needs of the service,to a certain extent,limit its differentiated marketing capabilities;(2)positioning is not clear,the core competitiveness is not obvious.Second,the main problem Minsheng Bank Nanchang Branch of small microfinancial services exist in the following aspects:(1)small micro-finance business model homogenization of competition and incentive,Minsheng Bank Nanchang Branch products lack core competitiveness;(2)small micro-finance business development a single model,the core competitiveness is not prominent;(3)internal operation mechanism and lack of innovation,restricting the small micro-finance business model innovation and development.Third,in order to further optimize the development of Minsheng Bank Nanchang Branch small micro finance business,the paper recommends that Minsheng Bank to take "district development model" + "industrial chain development model" dual mode Minsheng Bank to enhance the small micro-finance business,and in order to protect development of small and micro finance business in Nanchang branch Minsheng Bank,in the course of implementation need to take certain safeguards,including:(1)accelerating Minsheng Bank Nanchang branch of small micro-finance business professional,effectively reducing the cost of risk;(2)further improve the standardization of construction,create "credit factory",reduce operating costs;(3)thorough internal reform of related systems,changing business ideas,improve internal supporting role;(4)the establishment of small micro-finance business model assessment and incentives targeted like.Through this study provides direction for the further optimization of existing small and micro finance business development model Nanchang Branch of Minsheng Bank,while providing a reference for China's commercial banks to carry out small microenterprise financial services.