Research On Sustainable Development Of Commercial Bank's Small And Micro Finance

Small and micro finance has become the business for commercial bank to seek new profit growth point in the new situation.But at present most of the commercial banks only pay attention to the growth of small and micro financial business,but ignore the long-term?sustainable and healthy development.On the basis of systematically introducing the theory of small and micro financial of commercial bank and its sustainable development,this paper analyzes the influential factors and mechanism of small and micro financial sustainable development of commercial bank.Given this understanding,we establish the assessment indicator system of small and micro financial sustainable development capacity of commercial bank which includes resource factors such as total assets?capacity factors such as the growth of the loan to small and micro enterprises and environmental factors such as policy support.Factor analysis method is applied to evaluate the sustainable development capacity of small and micro financial business of 16 banks.Empirical analysis shows that,in the selected samples,China Minsheng Bank?Industrial and Commercial Bank of China?China Merchants Bank?Harbin Bank and Bank of China rank top five on the sustainable development capacity,and the polarization is relatively serious.Through factor analysis and overall analysis of small and micro financial sustainable development capacity of commercial bank,we find the main factors which restrict small and micro financial sustainable development from the aspects of product?risk management?service system?human resource and macro insurance.Learning from the experience of foreign banks' way to do small and micro business such as Wells Fargo Bank and Kasikorn Bank,the paper proposes the promotion strategies of small and micro financial sustainable development capacity of commercial bank from the aspects of product innovation?organization structure and business process?customers' elaborating management?customers' comprehensive development?risk management system?talent team construction and external environment.