Case Study On Development Of Regional City Commercial Bank's Small And Micro Enterprises Financial Operation Model

Small and micro enterprises play an important role in the development of national economical structure adjustment and transformation,however,small and micro enterprises still face different financing difficulties,and the construction of small and micro financial environment still needs to be further improved.The relevant departments have focused on the small and micro enterprises financial operation in recent years,and encouraged financial institutions to perfect the construction of small and micro financial operation system.Although compared with the large commercial banks and nationwide joint-stock banks,regional city commercial banks have a large gap in the network settings,risk control technology and marketing channel,regional city commercial banks also have its own characteristics and advantages in the small and micro enterprises financial operation,and have enhanced the competitiveness in recent years.But at present,most of the regional city commercial banks' small and micro financial operation model still exists many defects:the first is the market positioning is not accurate,mostly following big commercial banks and nationwide joint-stock commercial banks' operation model.Secondly,operation process is the lack of systematic,which is not fully integrated with the existing system characteristics of the bank,and the feasibility is low.Thirdly,the lack of marketability of financial innovation and low market application of small and micro financial products,not formed small and micro enterprise financial services that suit for their own development and characteristics.Therefore,research on regional city commercial banks,especially the smaller banks how to realize the small and micro enterprise financial real innovation,carry out characterization,differentiation and the sustainable development of small and micro financial operation model is the main purpose of the article research.This paper selected the regional city commercial bank which is specialized in small and micro financial-Taizhou bank as the research object,introduced cases of seven holding subsidiaries on the small and micro financial operation model application.By combining the current Taizhou bank of small and micro financial operation model,including the small and micro financial products,small and micro financial credit technology,small and micro financial marketing channels and institutions settings.The case analysis of Taizhou bank's small and micro enterprises financial operation model including historical financial data analysis and data envelopment analysis model which is used to analysis the financial efficiency of banks,and by comparing with other regional city commercial banks with same assets banks,summarizes the advantages and disadvantages of Taizhou bank's small and micro enterprise financial operation model,then puts forward the targeted and feasible suggestions.This paper summarizes the enlightenment and suggestions for regional city commercial banks' development of small and micro financial operation according to the research results of Taizhou bank's the small and micro financial operation model.Finally,the conclusion is that the small and micro financial operation model of Taizhou bank is a targeted and sustainable development model,which is a reference model for other regional city commercial banks.