The Business Of Small Loans To Small And Medium-sized Commercial Banks In Nanchang Rual Commercial Bank As An Example

China's small loan business started in the 1990 s,mainly used to solve the problems of farmers and small enterprises in China.Nanchang rural commercial bank was formally established on March 26,2009.Since the development of the "women's micro-guarantee loan" project in jiangxi province,nanchang rural commercial bank has been based on providing small financial services to farmers,small enterprises and individuals.The small loan business of nanchang rural commercial bank benefits hundreds of thousands of families in and out of the province,bringing huge economic and social benefits to nanchang rural commercial bank and society.With the new development situation of China's economy,the consumption keeps escalating,the demand for personal microcredit has changed,and the development of the micro-loan business of nanchang rural commercial bank has encountered a bottleneck.Taking nanchang agri-businesses bank small loans business as the research object,through the research of nanchang agri-businesses bank small loans business and data analysis,carefully analyze the characteristics of the microcredit products and the present situation of the small loan business development,in nanchang agri-businesses bank small loans business analyzes the existing problems and reasons,at the same time,the comparative analysis of the commercial organizations to carry out the small loans business experience both at home and abroad,and puts forward Suggestions for its development,according to actual situation to make the nanchang agri-businesses Banks to adopt effective measures to improve its competitiveness.