| Over the past twenty years, in the context of China’s rapid economic development,the business scale, service capabilities, and many other aspects of China’s City Commercial Banks gained rapid growth. At present, our country comes into the new normal: structure adjustment and economic growth mode transformation and upgrading. City Commercial Bank business is facing the following difficulties and challenges: Economic growth is slowing, banking non-performing loans and rate of NPL "double up"; The rapid development of Internet Finance put forward higher requirements of the bank from the assets, liabilities, business operation mode; The pressure from Interest Rate liberalization. Compared with the large state-owned commercial Banks and joint-stock Banks, City Commercial Banks is in a weak position and needs characteristic operation, differentiated development urgently. City Commercial Banks aimed at “localization and supporting small and medium-sized enterprise ", microcrediti the key of the development strategy of City Commercial Banks.Microcredit mode is the way how microcredit operates, and also the key to success of City Commercial Bank’s development of microcredit. Microcredit mode has a vital role in City Commercial Banks microcredit risk control, improving the quality of assets, development of microcredit and cultivating core competitive ability.From the perspective of City Commercial Banks, this paper analyses different microcredit mode on the applicability of the City Commercial Banks: through combing the domestic and foreign related literature, the paper provides the theoretical basis of microcredit mode for City Commercial Bank development through analyzing the limitations of traditional bank credit technology, the rise of microcredit and the core of microcredit mechanism; the paper points out that the present several main microcredit mode; using analytic hierarchy process(AHP), the paper compares four microcredit mode, and summarizes their respective advantages and disadvantages;using YX City Commercial Bank as an example, the paper analyzes the effect of improved IPC.The four kinds of micro-credit models have both advantages and shortcomings,there is a room for further improvement. According to the characteristics of the City Commercial Banks and the external environment, for the majority of City Commercial Banks, compared to the other three microfinance mode, the IPC technology has more obvious advantages and can match the demand of the City Commercial Banks. Ensuring the premise of the original core technology advantage,Improved IPC technology make up the disadvantages of the IPC technology, can adapt to the development of City Commercial Banks in China more. |
