Research On Small Micro-loan Management Model Of Zao Zhuang Rural Commercial Bank

Small and micro credit business mainly refers to a short cycle,small credit business provided by the commercial banks for individual industrial and commercial households,small micro enterprises and owners and other specific groups.Small micro loan has become a hot product of Inclusive Finance.And it will be a effective way to improve people's livelihood and solve three dimensional rural issues.Although rural commercial banks develop it to promote the development of small micro enterprises and active the small micro economy,in the actual operation,there are still many problems,such as poor credit conditions,low quality,small state support,complex market environment.Therefore,through the study of small micro loan business in rural commercial banks,it has great significance to promote small micro loan business healthy development and better public service,as well as providing the reference for the rural commercial bank in other parts of our country.In this paper,firstly we introduce the development and management situation of Zao Zhuang Rural Commercial Bank to analyze of the development difficulty of rural commercial banks and put forward small micro credit model.Secondly,we introduce the features and advantages of small micro business loans followed by the current situation of domestic and international development,and the feasibility of small micro business loans to Zao zhuang rural commercial bank.It describes the construction of small micro loan business management model which is constructed by six aspects including small micro loan business needs,products,pricing,marketing,service and human resources construction.small micro credit business management is analyzed from business risk management and financial management.Finally,analysis the small and micro loan business management model through the case.