A Research And Evaluation On Small&Micro-Credit Model Of Minsheng Bank

Under the impact of interest rate marketization and business homogenization,the profitability and scale growth are slowing down.Besides,small micro enterprises are faced with financing problems,desperately in need of financial support.Therefore,small and micro enterprises credit is blooming in commercial banks.Minsheng Bank is one of the earliest to adopt strategic transformation into small and micro enterprises financial service.Since 2009,Minsheng Bank has achieved spectacular results.Thus,the thesis is to provide guidance and reference for other commercial banks by analyzing small and micro credit model of Minsheng Bank.The thesis analyzed the structure and products of Minsheng Bank through field research and literature research,and then cond ucted financial performance evaluation,and finally concluded the success experience of small and micro credit model.The thesis has come to the conclusion that: 1.the small and micro credit model of Minsheng Bank is successful at the early stage in terms of profit return and risk levels.2.Recently,the performance of Minsheng Bank is deteriorating because of poor economic situation and fierce competition.3.Minsheng Bank has established a small and micro credit model with good profitability and risk control ability by product and structure innovation.In the end,Minsheng Bank is supposed to establish core indicator systems,innovate business model with the help of Internet technology and IT,and strengthen cooperation with small and micro enterprises strategic al iance.