Research On Optimization Of Small And Micro Financial Services In A Commercial Bank

China's financial market competition is becoming increasingly fierce.Considering the serious homogenization of financial products in commercial banks,customers' individualized financial needs are increasing.Innovative financial products and services and the creation of “full range” financial products are commercial banks,especially regional businesses.The direction of development of the bank.Since the 21 st century,along with the rapid development of China's e-commerce activities,especially Internet finance,the customer service objects targeted by Xiaowei Finance have increasingly highlighted the characteristics of large-scale population and low service threshold;small and micro customers have become more and more investment in the future.One of the four main customers,they are the group of future economic development.Channel flattening and meager profit marketing are the inevitable trend of the future development of small and micro financial enterprises.The small and micro customer base has become the “fourth profit source” of China's economic growth.At the same time,with the growing of the micro-financial market,small and micro-enterprise financing difficulties,new problems such as “P2P” and other new service types and regulatory problems have gradually been put on the agenda,becoming commercial banks' innovative financial products and opening up the business “Blue Ocean”.New difficulties faced,with the development of technology,the fierce competition between offline financial enterprises and pure Internet financial enterprises also tests the quality and effect of activity types in the customer care dimension,while the offline financial sector and online financial sector target customers replace The coincidence is a test of the changing state of activity efficiency.The article conducts in-depth research through literature analysis and qualitative and quantitative analysis.The article is divided into five parts:The first chapter is part of the introduction.Including the background,purpose and significance of the research,combined with the literature review at home and abroad,analyze the background of the research,the practice and theoretical significance of the topic,determine the purpose,framework and research methods of this paper.The second part is an overview of relevant theories.This paper briefly analyzes the development strategy,competitive advantage theory and SWOT analysis theory of micro-financial services related to this study,and lays a theoretical foundation for the following research.The third part is the analysis of the current situation of micro-financial services of A commercial banks.First,introduce Bank A,and then clarify the current status of Bank A's micro-financial services,from product aspects,service conditions,technology and models.Then point out the problems and causes of A-bank micro-financial services,and finally conduct SWOT analysis on its service status.The fourth part is the comparison and enlightenment of small and micro financial services of domestic and foreign commercial banks.The models of small and micro financial services at home and abroad are listed separately,and their successful experiences are expounded.The successful cases of micro and micro financial services at home and abroad are analyzed.Finally,the enlightenment of small and micro financial services at home and abroad is discussed.The fifth part is the optimization strategy of small commercial financial services of A commercial bank.Combined with the causes and SWOT analysis of the Bank's micro-financial service problems,the corresponding service optimization strategies were launched,which were discussed from the aspects of strengthening data mining and operation,fully exploiting customer value,and improving internal management.The sixth part is the main conclusion.The contents of the full text are summarized and summarized.