MS Bank's Small Micro Credit Development Model Optimization Research

In our country, financing difficulties of small and micro enterprises, financing your problems still exist for a long time, MS bank as China's earliest mainly to private capital, initiated the establishment of the national joint-stock commercial banks, from 2008 began to put forward "small micro enterprise bank" the strategic positioning, the concentrated manpower, financial resources and the resources input to small and micro enterprise financing services to support, In nearly 7 years of development history, MS bank around its core business philosophy, to carry out a systematic work in small and micro credit business model, product innovation, process optimization and tools to support such, in the size of credit, loans, support small micro enterprise quantity has achieved remarkable results and achieved certain government, industry praise and customer recognition results, MS like to take this opportunity to reshape the its core competitiveness, and better economic benefit has been obtained.But with the 2014 national economic development has entered a new normal, MS Bank of their own existence in the small micro credit business model problems gradually exposed, including business scale of sluggish growth or stagnation, continuous exposure to business risk, profit model of a single, customer churn rate stays at a high level and product innovation lack of stamina etc., these issues has become a restricting MS bank to deepen the barriers to small and micro credit strategy. Relationship lending theory regression analysis of MS bank faced problems, the author thinks that the key is MS bank for small and micro enterprises soft information management is not in place, embodied in the small micro credit manager to manage and small customer management two aspects. Performance for the small micro credit manager, professional capacity management upgrade does not reach the designated position, incentive and restraint system and due diligence exemption system is not perfect, small and micro enterprises soft information manage system and small micro enterprise differential Customer Relationship Management (CRM) less than four issues.This paper on the base on study of the theory of relationship credit to the domestic and foreign, combined with personal work practice, optimized MS bank small micro credit model of specific measures are put forward. Firstly, MS bank key is inside a whole process soft information management system, including "Trinity" soft information acquisition mechanism, based on work flow and technology support of soft information update system and soft information system using the mechanism. Secondly, MS banks also need to carry out a systematic risk Small and micro businesses, income classification management, strengthen customer relationship management system differences, and keep the bank Small and micro businesses in the benign interaction. Again, MS bank to credit manager team professional improvement and management oriented, using balanced score card model to carry out a systematic improvement. On the basis of carrying out credit manager classification authorization management. Finally, MS bank optimization adjustment credit manager incentive assessment and accountability mechanism, build to create profit "and" consumer business "for the orientation of the incentive mechanism, small clear micro credit due diligence exemption system, loans and loan before the loan in full dimensions to carry out the accountability and the exemption management. Synchronization in the external environment and the system becomes mature under the background of system optimization of MS bank small micro credit operation mode, to solve the MS bank small micro credit problems in the development of.