Small And Micro Business Research Of Commercial Bank In China

Small and micro businesses mainly refer to the industrial and commercialenterprises which own relatively small scale and weak strength. The number of smalland micro businesses is huge, which are one of the most important parts of thenational economy, have made a great contribution to our national economydevelopment. Owing to characteristic of simple inner structure, low level managementand mostly family-run operations, financing channels to Small and micro businesseswere limited. Commercial bank are prefer provided credit support to medium-sizedenterprise compared to small and micro businesses, due to its high risk loan conditionand labor costs. Therefore, changing the traditional management concepts ofcommercial bank, researching more suitable credit products and operation mode willbe the key of Commercial bank Loans to small and micro business.This paper first analyzes the financing status and development bottleneck ofsmall and micro businesses, then elaborate a series core concept based in “law of largenumbers” of minsheng bank through the introduction of small and micro businessesfinancial business of minsheng bank: including law of large numbers; price cover risk,specialization, mass production, large-scale; Leading efficiency and comprehensivedevelopment. They serve as focused references on small and micro business ofcommercial bank.On the basis of the above analysis, the author further discussed the status ofmicro businesses business of mingsheng bank. About the deep level problems of loangrowth slowdown, post-lending management was still unsound and similar patterns.The paper propose related suggestions about exploiting the operational range of thebusiness, change the credit mortgage mode, improve the loan pricing system and buildpost-loan management system.