Optimization Analysis Of The Service Of Micro Financial Products In MS Bank Shanghai Branch

China's financial market competition is increasingly intense,taking into account the commercial banks of the serious homogeneity of financial products,customer's personalized financial needs more and more innovative financial products and services to create a "full range of" financial products are commercial banks,especially regional business The direction of the bank.Since the 21 st century,along with China's e-commerce economy,especially the rapid development of Internet finance,micro-micro-financial customer service targets for the increasingly prominent large-scale population,low service threshold characteristics;small micro-customers are increasingly becoming the future investment One of the four main customers,is the future economic development of hot groups.The channel under the flattened under the expansion of customers and micro-profit marketing is a small micro-finance is the inevitable trend of future development,which has become China's economic growth,"the fourth profit source." With the growing micro-financial market,small and micro enterprises financing difficulties,"P2P" and other new types of services and regulatory problems and other new issues have gradually been put on the agenda,a commercial bank to innovate financial products,develop business "Blue Ocean" The new difficulties faced by the offline financial enterprises and pure Internet financial enterprises in the fierce competition in the macro-financial system to test the type of activities of the shift,while the offline financial sector and online financial sector in the micro-financial enterprises within the test activities The ability to replace each other.Small microfinance is a project or institution where a financial enterprise serves a specific activity of a small micro enterprise and provides special financial products and services for a particular target customer.How to better serve the enterprise quality and new profitability is the small micro-financial product design starting point and the foothold.Based on the basic theory of circulation economics,regional economics and finance,this paper compares the service level and development status of small and micro financial products at home and abroad on the basis of elaborating the theory of small microfinance service,analyzes the commercial banks' The advantages and obstacles of service,from the perspective of the financial service innovation of MS Bank Shanghai Branch,this paper puts forward the commercial banks to provide integrated financial products service capability promotion process for small and micro enterprises,and analyzes them with specific financial product cases and service flow practices,To further explore the risks involved in the activities and how to prevent specific recommendations and comments,combined with the reality of the city where the city put forward the development of small micro-financial services industry countermeasures.Through the full text analysis,the basic conclusions drawn from this paper are as follows: First,the level of micro-financial services in China,especially in developed cities,has changed from "quantitative" development to "connotation" stage;The multi-layer nesting of micro-financial products has already made the risk of "hidden" features,which poses new challenges to the risk prevention of different financial institutions.Thirdly,the development of small micro-financial products in MS banks is not Comprehensive,and unstable,which requires specific departments to reshape the organizational structure and human resource arrangements,while the department's information sharing and interoperability is the key to the future.