Research On The Development Of Small And Micro Financial Business Of Commercial Bank

Small micro enterprises in China’s various cities and regions can be seen everywhere,his advantage is mainly reflected in the business and other aspects of flexibility.Is conducive to the further development of China’s economy,and expand the employment rate,so in the development process has been widespread concern in the community,but also in the development of financing difficulties facing.In recent years,China’s small financial enterprises to take financial support strategy,effectively enhance the commercial banks of small and micro financial services,to promote a large number of small micro-loan scale growth,effectively reflects the product flexibility,practicality and innovation Features.The scale of the balance of small loans of commercial banks is gradually increasing,which has effectively promoted the further development of small and micro enterprises.However,under the current background,the economic pressure is relatively large,and the credit strategy of banks to small micro enterprises is also affected to a certain extent To the commercial banks to further develop the small micro-financial business,mainly reflected in the non-performing rate in the gradual rise,some of the bank’s internal people show a small and discolored situation.Based on the characteristics of financial demand of small and micro enterprises,this paper adopts SWOT analysis framework to study the development of micro-finance of commercial banks,and from the aspects of strengthening financial risk control,optimizing small micro-financial services and innovating institutions,this paper takes the Shanghai Branch of Shanghai Pudong Development Bank as an example.Set up and improve the level of service and other multi-dimensional perspective of commercial banks to set a small micro-financial development strategy portfolio,and finally put forward targeted improvement proposals.First of all,this paper analyzes the current situation of the development of small and medium-sized enterprise financial business in Zhengzhou branch,and points out that the commercial micro-finance business is mainly to improve the economic profit,but also to solve the problem of financing small and micro enterprises,Small micro-enterprise financial business can be said that both commercial banks,or for small and micro enterprises are of great significance.Secondly,this paper analyzes the development strategy of Zhengzhou branch and the local market environment with the actual case of Shanghai Branch of Shanghai Pudong Development Bank,focusing on the problems in the process of development,such as lack of funds and lack of customer development,as well as the same industry Between the increasingly fierce competition in the market,and for these issues to improve the corresponding recommendations,specific improvement measures are divided into the following:First,improve the source of deposit funds.Second,to re-build bank-enterprise relations,improve customer satisfaction and loyalty,once again,innovative business development model.Finally,through the construction of scientific and perfect loan pricing mechanism to improve the profitability of enterprises.Through the research of this paper,we hope to provide guidance for the future development of small and micro financial business.