The Operation And Management Of Small And Micro Finance Projects In County Bank

In recent years,the growth of small and micro finance is concerned,the characteristics of a wide range of large to small and micro groups show a major role in promoting economic upgrading,expanding employment,promoting technological innovation and adjusting and optimizing the economic structure,especially in the private economy in Jiangsu Province two.Today,both central and local governments are particularly concerned about the growth of small and micro groups,the relevant policies have been introduced to help small and micro financial development.At the same time,the domestic and foreign research related to small and micro finance boom has also been rising,which is among the most studied aspects of small and micro groups to obtain funding problems.Financing is a worldwide problem,the need for financial support.The support of the financial sector can help small and micro groups has become a growing consensus,but in promoting the growth of small and micro groups at the same time,the growth of the financial sector has its own role,the relevant research is very little.The Xingfu County Bank by the Changshu rural commercial bank initiated the establishment,by the end of 2015,a total of 19,located in Jiangsu,Hubei and Henan provinces.Which small and micro financial loans invested over 4 billion 700 million yuan,the total loan ratio of more than 100%,the total assets of over $6 billion.At present,rural bank business development by the head office of Management Department of unified guidance,to become a professional professional organization of small and micro finance,with flourishing businesses,happy home for the enterprise mission.2007,Changshu agricultural firms respond to the call of the policy of Enshi took the lead in the establishment of village banks,small and micro financial services to focus on customers,by the end of 15 Enshi Xingfu county bank small micro finance loans balance over 2 billion 700 million,20 thousand small and microto help customers achieve the entrepreneurial dream.First of all,the article starts with the orientation and concept of small micro finance,and analyzes the location of small and micro finance projects in county and village banks.How to help small and micro groups through financial support to help small and micro groups to enhance the profitability of theoretical research.On the small micro finance projects,promote the operation mode and pricing ability,growth analysis,combined with the case,Xingfu county banks,to understand the small and micro financial project operation and management.Data research on the scale of business,customer financing system changes Xingfu county banks,explore the financial support for small and micro connection between customer groups to grow.The case shows that the county financial institutions through the support of small and micro finance projects on the scale,profitability and growth of small and micro groups have obvious influence,confirmed that the village bank is medium in the development of county economy utility.Finally,the paper puts forward some countermeasures to promote the development of small and micro financial projects in the county.