Research On The Small And Micro Businesses Credit Business Strategy Of Minsheng Ji'nan Branch

The competition among banks intensifies, and it spurs Min-Sheng Bank to looking for new profit point constantly. "Private enterprise bank,Small and Micro businesses bank" is its business location, Min-Sheng Bank started to explore the Small and Mirco credit business as early as 2008 and achieved certain results. At the same time, more and more banking institutions join the competition. The study shows that:(1)The overall technical efficiency value of Minsheng Ji'nan branches 0.601, it means that Ji'nan branch technical efficiency is 60.1% of the optimal decision unit, further analysis shows that Ji'nan branch need to compress the credit fund turnover days, reduce the adverse Small and micro businesses loans ratio.(2) The pure technical efficiency of Ji'nan branch ascension fast during 2010 to 2013,and since 2011 it has been the leading position of the sample banks, it shows that the financial services technology and measures of Ji'nan branch ahead of the other banks.(3) The Ji'nan branch scale efficiency increased, with Minsheng Bank Credit stock situation, it indicates Ji'nan branch needs to further increase the small micro enterprise credit scale.Through the above analysis, we defined the problems and causes of Ji'nan branch small micro enterprise credit business, the corresponding improvement suggestions are proposed from three aspects of credit customers, credit products, credit team.