Commercial Bank Small And Micro Financial Business Model Innovation Exploration

Small and micro finance is becoming a more and more significant subject in China. From the national development strategy aspect, to develop small and micro finance is the only access 。 determined by the economic pyramid structure. According to the statistical data of 2013,The small and micro business is now 96% of the total business, and has contributed 60% of employment opportunities, 50% of the taxation revenue and 40% of GDP. To some extent, the small and mirco which is like the vast ocean, contains rich economic resources, is turning to be the pushing power of the social transformation with high speed economic growth. Meanwhile, the merchant banks have to be creative to find a new business model to avoid competition homogenization if they want to be distinctive and effective.Theoretically, this article indicates the importance of the small and mirco finance in the merchant banks, and the reasons as well as resolutions on financing issues. It also shows how to extend the small and micro finance,based on some cases analysis on the small micro-credit business and supply chain finance, small and micro business credit risk control and process reengineering, small and micro integrated service platform, via not only the small micro-credit business, but also in other creative ways, such as the small andmicroprocess reengineering, cross-marketing, and building integrated service platform. Additionally, the small and micro credit business is not limited in traditional mode which focuses on mortage and finance, but turns to a wide variety of less guarantee mode and supply chain finance mode,Practically, this article indicates some ideas on small micro-finance market bulk marketing, supply chain finance model innovation and building integrated service platform via cases analysis and industry studies.Based on the analysis of the theory and practice, a new direction of the small and micro finance is proposed under our national small and micro business status and policy. To make the small and micro finance as the stategic business of the merchant banks, we must emphasize the industry studies and client base analysis; have a deeply understanding of business law of small and micro enterprises; focuse on cooperation with key parties in marketing; open supply chain finance through the company linkage model; improve business efficiency through product strategy, process optimization and technological progress; continueincreasing investment; explore products and models suitable for the small and micro enterprise development; and establish outstanding service system.