Guizhou Province Bank X To Develop The Countermeasures Of The Small Loan Business

Microcredit is not merely an innovation of financial services, but an important formal financial service for poverty alleviation which helps the poor fight poverty on their own terms, in a sustainable way. Our national financial reforms have been going deeper, since 1999 the microcredit business in rural areas has improved a lot and achieved many good results under the sound support of the People's Bank of China.Meanwhile, X bank microcredit business has also gained momentum under the police of serving "three-dimensional rural issues". In light of this, this paper analyzes the characteristics and the environment of a X bank microcredit business in Guizhou province by deeply recall the history, current situation and the development. The paper tries to find the flaws, solutions and further inquires into the topic of development countermeasures of X bank's microcredit business through the research of commercial bank's marketing positioning theory, the competitive environment analysis theory. Aiming at speeding up the reform process of X bank and enhance the competitiveness of X bank's microcredit business. This article's main innovations are as follows:First, on the basis of reality, the article analyzes the advantages of developing Microcredit business and the possible influences, proposing it is an inevitable choice for the development of X Bank and the rural finance market in Guizhou province as well.Second, this article analyzes in detail the risks in X bank carrying microcredit business in the rural areas of Guizhou province.This article's deficiency lies in that the empirical analysis is not strong enough since it is difficult to grasp the materials and the collection of specialized theory and so does the same business data.This paper needs further strengthen and improvement. Moreover, in view of the insufficient knowledge structure of the author, this paper is also flawed. Last but not lest, there are unavoidable biased viewpoints in this paper, it will be appreciated if the scholars point out the mistakes.