A Research On Small And Micro Finance Development Of Guangzhou Rural Commercial Bank

Small and micro enterprises have become a vital force in China's economic development,and have made important contributions to social and economic development.However,small and micro enterprises are weak and small,poor mortgage,lack of credit information,so that it is difficult for them to obtain necessary financing.Guangzhou Rural Commercial Bank for large customers is difficult to compete with the big banks,but compared with the traditional joint-stock commercial bank,Guangzhou Rural Commercial Bank with competitive advantages including of abundant regional network and rooting in Guangzhou so that it should actively explore and innovate small micro financial services model,the development of small and micro financial services,to provide services for small and micro enterprises.This paper selects the Guangzhou Rural Commercial Bank as research object,using the methods of literature analysis and field research method.Analysing opinions of domestic and foreign scholars on the micro finance,the paper try to find the theory basis of micro financial development and summarize the domestic and foreign financial institutions in the field of small and micro finance experience.Based on investigation of Guangzhou Rural Commercial Bank small micro finance business development present situation,this paper proposes the Guangzhou Rural Commercial Bank in the small and micro financial problems in the development,and to solve these problems in every aspect.