The Analysis And Optimization Of Small And Micro Financial Business Operation Mode For Zhejiang Tailong Commercial Bank

In 2013,the Third Plenary Session of the Eighteenth Central Committee adopted the Decision on Several Issues of Comprehensive Deepening Reform,which proposed that inclusive finance should be developed.Small and micro finance is an important part of inclusive finance.To develop inclusive finance,small and micro financial services is the key point.There are a lot of small and micro enterprises in China,but their economic contribution does not match their financial services.With the strong support of national policies and the intensification of competition among financial institutions,small and micro finance has become the focus of financial institutions.However,due to the high risk and asymmetric information of small and micro finance,it is difficult for financial institutions to carry out small and micro financial business,and the operation modes are not sustainable.Zhejiang Tailong Commercial Bank is famous for its small and micro finance.And its profitability,product innovation and risk management are at the forefront of the industry.This paper takes the operation mode of Zhejiang Tailong Commercial Bank's small and micro financial business as the research object.The paper analyses the operation effect of this mode and optimizes it,in order to provide reference for other financial institutions to carry out small and micro financial business.Starting from the background and significance of the development of small and micro finance of financial institutions,this paper combs and summarizes the relevant literature at home and abroad in recent years.This paper introduces the relevant concepts,the general situation of China's small and micro finance and chooses Zhejiang Tailong Commercial Bank,which focuses on small and micro financial business,as the object of this study.The operation mode of Zhejiang Tailong Commercial Bank's small and micro financial business is compared with other commercial banks by using the comparative analytic approach.And it uses Data Envelopment Analysis to make a detailed comparison between the small and micro financial business of Zhejiang Tailong Commercial Bank and other commercial banks,so as to get the improvement direction of Zhejiang Tailong Commercial Bank.In addition,this paper uses the External Factor Evaluation Matrix and Internal Factor Evaluation Matrix to analyze the external and internal environment of Zhejiang Tailong Commercial Bank and puts forward the optimization scheme of the operation mode for Zhejiang Tailong Commercial Bank's small and micro financial business.Through the analysis and optimization of the small and micro financial business of Zhejiang Tailong Commercial Bank,the main conclusions of this paper are as follows: firstly,Zhejiang Tailong Commercial Bank has a high degree of dependence on customer managers when it carries out small and micro financial business.Secondly,the operation effect of its small and micro financial business shows that the pure technical efficiency and scale efficiency are not good,and the internal management level needs to be improved.Thirdly,external opportunities have a greater impact on the small and micro financial business of Zhejiang Tailong Commercial Bank.At the same time,this paper draws the following enlightenment: understanding their own characteristics for financial institutions is the root of the success of small and micro finance.Improving the management level is the key to the success of small and micro finance.The good external environment is the guarantee of the success of small and micro finance.The possible innovation of this paper lies in the originality of the research content.For the practical purposes,the paper analyzes and optimizes the operation mode of small and micro financial business,combed with the environment.It also compares three operation modes of commercial banks' small and micro financial business to summarize the characteristics respectively.The methods are original.This paper uses comparative analytic approach,Data Envelopment Analysis,Internal and External Factors Evaluation Matrix and Analytic Hierarchy Process to analyze and optimize the operation mode of small and micro financial business for Zhejiang Tailong Commercial Bank,which makes the case study more convincing.However,this paper mainly studies and analyses the single case of small and micro finance operation mode of Zhejiang Tailong Commercial Bank.The research conclusions are based on the case analysis and the promotion of the research conclusions may have some limitations.