Competitive Strategy Analysis Of M Bank’s Small Micro Financial

In 2018,a number of policies and measures to support financing for private enterprises and small and micro businesses were introduced and implemented.The 2019 financial market work conference of the people’s bank of China called for comprehensively deepening financial services for small and micro businesses of private enterprises,improving the transmission mechanism of monetary policy,and increasing credit input.Instead of being afraid of small and micro enterprises in the past,Banks have invested manpower and material resources in the financial business of small and micro enterprises.On the one hand,they want to complete the task of adding two more and controlling two more.On the other hand,they also expect to obtain certain profits in the financial field of small and micro enterprises.Service,2015 M the bank set up small micro enterprise specializing in a team,carry out small special micro financial business,as the research object in this paper,using PEST analysis method,the M bank small micro financial competition environment faced by political,economic,industry is analyzed,and the M small micro financial internal resources,capabilities,and core competitive power is analyzed,using the method of SWOT to M bank small micro financial analysis of the actual situation,to determine the M bank small micro financial strategy choice,finally analyzes the implementation of the strategy of conditions,from organization structure reengineering,motivation,process and product,technology and so on four aspects,To provide a guarantee for the implementation of the competitive strategy.Therefore,it is expected to provide some references for bank M to develop small and micro finance in the context of interest rate liberalization and the development of small finance by major Banks.