The Research Of Development Strategy For The JY Petty Loan Company

In recent years,microfinance companies have developed well in China,especially in small and micro enterprises,which are an important part of the current national economy.In the current economic tide,microfinance companies have fully developed in supporting the development of small and medium-sized enterprises,promoting the release of kinetic energy of e-commerce economy,broadening social diversified financing channels,and innovating credit service modes.Emerging economies have shown their dynamism.Since 2009,small loan companies in Shanxi Province,especially Pingyao County,Jinzhong City,have landed and shown a prosperous momentum.As the first batch of small loan companies established in Yuncheng City,Shanxi Province,JY Small Loan Company,since its establishment in 2011,through the rational use of local policy environment,market demand,the company's existing capacity,existing resources and other factors.The company's business scale,radiation area,benefit growth and other aspects continue to expand,so that the company's overall scale continues to expand,but also in the field of local micro-loans in the overall leading position.Based on the current overall development situation of JY microfinance company,this paper uses PEST and other analytical methods to analyze the external environment of the company,such as politics,economy,society and culture,as well as the internal factors of JY microfinance company's current resources and existing capabilities,and uses SWOT analysis method to analyze the broad customer resource groups in the company's current development process.The development advantages of interest rate flexibility,high operation efficiency,low transaction cost,development disadvantages such as heavy tax burden,]ack of talents,low social recognition,relatively weak financing capacity,stronger seller market,higher access threshold,and development threats such as policy uncertainty,strong competitors,and great downward pressure on the overall macro-economy of our country are comprehensively analyzed.On this basis,it is clear that JY microfinance company must make full use of its own development advantages and historical opportunities,adopt growth-oriented development strategy(SO),Through the systematic development of standardization,assembly-line model,the main orientation of micro,small and medium enterprises and small loans to low-income people in chain business model,at the same time,combined with the market competition of human resources management risk control system construction and implementation of the strategy and company risk control system of security measures,such as highlighting features and patterns of innovation to form their own core competitiveness,the company long-term sustainable development...