German IPC Technology Application In The PX Bank Research

Peixian county bank peixian county (hereinafter referred to as the PX), a small and medium-sized commercial Banks, in capital, technology, talents, network construction, product development and so on all can't compete with state-owned commercial Banks today, how to avoid the homogeneity competition, out of a suitable development way, using micro technology to carry out the micro credit loan business is to tackle the financial crisis to realize their transformation. With German IPC PX bank application technology to carry out the micro credit business, for small and medium-sized rural commercial bank development offers a solution.This is the current in cracking small micro enterprises "financing difficulties" provides a new way in social problem.Based on the research of the domestic and international microcredit practice, summarizing the international poverty reduction as the main target of microfinance development way, also summarizes the microfinance model in the domestic promotion and exploration. Based on the experience summary, explore the micro credit conform to the PX bank business model and advance the road. In spite of this, but PX bank use German IPC technology for micro lending business, business ideas with the past and of the larger changes in the traditional management mode. Then carried out in German IPC technology for micro PX bank loan business, the system engineering, will appear what kind of problems, for what countermeasures should be taken to cope with these problems. Full text carefully analyzed the advantages and disadvantages of PX bank in market competition, as well as the existing deposit marketing loan pressure, pressure big, the risk control problems such as big, efficiency improve slowly. PX bank implementation of micro lending technology is to solve these problems, but PX bank to launch in the process of the micro credit will appear many problems, through the analysis of the case to find out the present PX bank implementation of German IPC technology causes of these problems, targeted at the same time puts forward the related countermeasure and the suggestion. Finally, the paper puts forward the PX bank in micro lending business success and shortage and the prospect of the future. Through to the PX bank how to use the German IPC technology for micro lending business, can find the points: first, PX bank to carry out the micro credit business is the only way to transform the PX bank, is also a PX bank get rid of the historical burden, to realize their own development is one of the way; Second, we should realize the long development of the micro credit in PX bank must strengthen the construction of the talent, to prevent the brain drain, through talent incentive PX bank will always have a dynamic team; Third, the PX bank how to use the German IPC technology for micro lending business, for similar PX bank that rural financial institutions get rid of the historical burden, realize own transformation, for reference.