Research On The Strategy Of Small Financialdiscovery Of ZZ Branch Of Minsheng Bank

The development of small micro-enterprises for the domestic economy and employment provides a powerful driving force is to boost China’s economic take-off an important force,small and micro enterprises healthy and stable development for economic growth,industry to accelerate the transformation and maintain social harmony and stability have an important role The At present,small micro-enterprises have become an important part of the real economy in Henan Province,but with the supporting financial services and financial products is a constraint to become a bottleneck restricting the development of small and micro enterprises.The financial institutions have to expand the small micro-enterprise market as a new profit growth point,Minsheng Bank as the industry,"small micro-enterprise banking" leader since it is its core competitiveness.In this paper,through the combination of theoretical analysis and empirical analysis of research methods,through the elaboration of small and medium enterprises in Henan Province,the status quo,financing methods and analysis of macroeconomic situation on the impact of small and micro enterprises,cited Minsheng Bank ZZ branch since the opening of the more successful service micro Business case-Zhengzhou City Aquatic World,and timely summary of the elements of success,it is worth learning,and then lead to the core content of this study,that is,the development of small micro-financial facing five aspects: first,complex and changeable Economic situation and market environment.With the overall trend of decline,small micro-enterprises exacerbated its metabolism,how to screen out high-quality enterprises,and in the context of interest rate market,the small business owners,second,loan products and the relative simplicity of the current policy.How to better than the same industry policy,to maintain absolute advantage,to ensure that the bank profitability,worthy of our discussion.Third,the Internet financial era to bring new shocks.The development of online finance is far greater than our vision,artificial intelligence strong invasion,only positive against,in order to gain a firm foothold.Fourth,the quality of assets to be serious situation to be discussed in depth.It is inevitable to have to mention,the continuous improvement of non-performing loan rate so that bankers increasingly fear,trying to start from all stages of the credit process,the greatest degree of weakening risk.Fifth,the need for small and medium enterprises to transform their own.Aging manpower,stagnant technology and messy finance are all threatening the progress and development of small micro-enterprises.Based on the above problems,the author summed up the five countermeasures,including:first,optimize the deposit structure,to ensure that profitability per capita.Solid core deposits,effectively improve the settlement,vigorously develop the channel management,grabbed from the hall;grasp the Minsheng Bank ZZ branch of the characteristics of products,focusing on the promotion of platform business.Second,adjust the proportion of loans,competition with the industry.Expand the mortgage new business sources,dynamically adjust the credit policy to meet market demand;optimize business processes to ensure the diversification of marketing channels.Third,bigger wealth scale,enhance customer experience.Beachhead private banking market,providing quality services,intentions to retain customers;focus on profit products for a strong marketing,increase marketing efforts.Star products to fight evergreen tree.Fourth,stick to the quality of assets,increase risk management.Strengthen the basic management of the loan policy,establish and improve the risk rating system;cultivate the bottom line of the risk of credit lines,familiar with,do not do;internal control system for no loopholes,pay attention to post-loan management,timely resolution of credit risk;Ignore and enhance financing capacity.Small and micro enterprise development,the external environment is becoming increasingly serious,only to improve the internal management,investment,improve the core competitiveness of enterprises to ensure their own lasting survival.Expect to be able to make an effective discussion on the development of small and microfinance,and have some reference significance for the industry.