Research On Small And Micro Financial Development Strategy Of RC Bank Of Guanghan

Under the new normal economy,small and micro finance is an important part of improving the structural reforms on the financial supply side,but has long been under the control of credit risk guarding against mortgages and guarantees,and the development of small and micro finance in China has been slow.In recent years,with the gradual deepening of the reform of the economic system,the acceleration of interest rate liberalization,and the increasing popularity of the Internet and finance,the banking industry is facing unprecedented pressure.Continuous strategic reforms have also become the first choice for most commercial banks,and many commercial banks have The focus has shifted to the small and micro financial sector,tilting financial services and products to small and micro businesses,and small and micro finance has also gradually become an important growth point for financial profits.To achieve the sustainable development of small and micro finance,we must find out the problems,innovate mechanisms,and improve the level.We also need to continuously formulate and revise strategies in practice.Therefore,the RC Bank of Guanghan needs to continuously innovate small and micro financial service models,innovate products and processes,promote the leapfrog development of small and micro finance,and bring vitality to the economic development of the whole bank and the region.This article focuses on the small and micro financial services of the RC Bank of Guanghan.Based on the collation of domestic and foreign related micro and financial documents,the concept of small and micro finance is defined,and the PEST and SWOT analysis methods are used in combination with the actual situation of local microfinance in banking industry.The status quo,internal resources,external environment and existing problems of the small and micro financial strategy of the RC Bank of Guanghan,and the analysis conclusions were established through the construction of SWOT matrix.On this basis,the guiding ideology and development ideas of the small and micro finance strategy of the RC Bank of Guanghan were proposed.Strategic goals,key tasks.At the same time,this paper sorts out the safeguard measures implemented by the RC Bank of Guanghan's micro-finance strategy from the aspects of human resources,financial resource allocation,risk management,channel construction,and scientific and technological innovation.The next step is to develop policy recommendations and promote the sustainability of its micro-financial business.The development of strategic countermeasures provides a reference for other branches and joint-stock banks to develop small and micro financial services.Finally,the paper concludes with a summary of the research on the small and micro financial strategy of the RC Bank of Guanghan,and concludes that the current major strategic tasks of the RC Bank of Guanghan should focus on improving their differentiated brand advantages and creating strong regional micro and financial products.Services,constantly adding innovative business models,and continuing to refine the market and make targeted marketing in the process of microfinance promotion to expand the scope of influence,increase awareness and recognition,and then promote the development of small and micro financial strategy to achieve leapfrog development.