The Study Of China Small And Medium Financial Institutions Development Strategy

With the rapid development of China's national economy, the financing demand of small and medium enterprises becomes more urgent, and the rising of incoming levels promotes the rapid development of personal financial services. As we know, small and medium financial institutions are the main subject which provides those financing services. Therefore, we can infer reasonably that in the future small and medium financial institutions will surely achieve greater development, and small line financial institutions will play an increasingly important role in China's economic and social development. However, in the development process, small and medium financial institutions have encountered many problems. Therefore, the author fixed the theme of this paper as the problems of small and medium financial institutions.First, this paper discussed the meaning of small and medium financial institutions and other basic knowledge, then analyzed of the basic characteristics of small and medium financial institutions, and focused on the small and medium financial institutions of our problems. Then specifically described the development process of the small and medium financial of Philippine, and summarized the experience of Philippine small and medium financial institutions. With the international development process and trends of small and medium financial institutions, the author analyzed the future trends of China's small and medium financial institutions. On this basis, the author analyzed the development strategy of small and medium financial institutions, from the perspectives of Market positioning, regulatory of small and medium financial institutions and risk management of small and medium financial institutions. Finally we got the following conclusions. Firstly, small and medium financial institutions are a dynamic concept. Second, China's small and medium financial institutions should take the differences in type of market positioning strategies, to go their own operating characteristics of the road, should be small and medium enterprises, private enterprises, community economic, individual or family as the main target. Third, the Government of China's small and medium financial institutions have an important impact on development, lack of policy support that hinders the development of China's small and medium financial institutions, an important reason. Fourth, the development of China's small and medium financial institutions should learn from successful experiences in developing countries, and further optimize the structure system, improve corporate governance structure. Fifth, the development of China's small and medium financial institutions needs to improve policy and legal environment.