Chain Management Contractor Bank Micro Loan Business

As the advantages about enhancing the co-operation, competitiveness and benefit of enterprises, chain operations, the mode of management,has been widely applied to the retail, catering, service industries, and at the same time to the automobile, pharmaceutical, tobacco penetration, home building materials, gas stations and other industries, it shows the strong vitality and development potential. However, with the increasingly fierce market competition in China’s financial industry, it shows the increasing costs of management, inefficient and it is very difficult to form the economies of scale. Although many managers have realized the importance of improving the efficiency of enterprise, not enough attention has been paid. As a result, it is very important for us to focus on it.After six years of exploration and practice since2005, Micro enterprise loan business of Baoshang bank has become a characteristic brand of small micro-enterprise customers in the domestic financial services industry. It also has a unique credit technology,80credit teams and1100Credit Clerks. It services130,000small and micro enterprises, self-employed and farmers. As the brand of Baoshang bank however, micro-credit still has much room to improve themself. Meanwhile, it can be realized the implementation chain management.This paper puts forward to many problems which are existed in micro-loan business. In order to find its roots, it is more focused on the lack of business management.On the basis of drawing the lessons to the advantages in the chain operation of micro loan management, this articles shows the research results of achieving economies of scale through franchising chains. The papers in-depth analyzes a large number of real data and the actual situation, and studied the actual conditions of introduction of the chain management. At the same time, the article shows specific steps and security system,and redesigns the organization management structure of Baoshang Bank. Through establishing the template business units, absorbing the branches, taking measures about early guidance, post-supervision, the possibility of chain operations are enhanced. Meanwhile, it provides a highly targeted specific measures to improve the ability of micro-credit business management.