The Research On Small And Micro Financial Services Based On The H Branch Of China Construction Bank

With the continuous development of the socialist market economy,small and micro enterprises have occupied the vast majority of the main market.The rise of Internet finance has increased the debt cost of commercial banks' funds.Meanwhile,the financing channels that modern enterprises have widened also weakened the market detached position of commercial banks in setting up capital prices,and the interest rates of commercial banks dropped sharply.So commercial banks need to devlelop Small and micro finance to find new growth points.This paper,taking the H branch of Construction Bank as the empirical research object of small and micro financial business of commercial banks,gives the evaluation of low micro financial business level of the bank H branch of Construction Bank in three aspects:small and micro financial coverage,small microfinance supply depth and small and micro financial output efficiency.Based on the evaluation of three aspects,the reasons for the low level of small and micro financial services in H branch of the Construction Bank are thoroughly analyzed.Based on the analysis,the countermeasures were formulated for each reason.Finally,based on the case study of China Construction Bank H Branch,the future trend of the development of micro-finance for commercial banks is prospected.The significance of this study lies in two aspects.On the one hand,through the empirical study of the small and micro financial business of the bank H branch,it can provide some reference for the Construction Bank to improve its own small and micro financial business level.On the other hand,it can cause more commercial banks to re view the small and micro financial business through this study,so as to help the small and micro enterprises to develop rapidly.