Strategy Of Expansion Of China Minsheng Bank Credit Loan Business Of Small And Micro Businesses

The last century seventy’s, the international with the Garmin Bank as the representativeof the rise of the "small micro financial revolution", small micro financial gradually from theold model interest loans to the sustainable development of the new mode of commercialfinancial transformation. Different from the old model of lending, new operation mechanismis able to consistently obtain commercial financial institutions widely customers. A lot ofpositioning in the "small loan" international institutions to achieve business sustainabilityconfirms the possibility of the development of small and micro finance.China as one of the fastest-growing large economies, China’s situation has itsparticularity, is China in recent thirty years, tens of millions of private small and microbusinesses be raging like a storm, to become China’s economic growth force. Chinese smalland micro finance is already out of poverty, and play an important role in micro and smallenterprises to provide regular and modern financial services in economic growth. This articlemainly takes Minsheng Bank as the research object of the financing of small and microbusinesses. According to the situation in the Minsheng Bank small micro financial businessdevelopment, research on small micro financial theory, based on the micro analysisenterprise financing preferences, and the comparison of industrial and Commercial Bank ofChina, Jilin bank, Minsheng Bank small micro financial business development presentsituation, and analyzes the factors which influence the development of small and microbusinesses Minsheng Bank credit business the Minsheng Bank, further expansion of smalland micro businesses credit business strategy.In this chapter, the five chapter to the three or four core. Mainly adopts the comparativeanalysis from the macroscopic, the microscopic two stratification planes, summarizes theMinsheng Bank credit business of small and micro businesses by including small and microbusinesses own factors, banking product design factors, the bank’s own organizationalstructure factors, micro credit business risk factors and other factors, therefore, MinshengBank in the further development of small micro enterprise credit service process shouldwiden the scope of products, adjust the guarantee structure, develop product pricing strategy,risk management and cost management and other aspects of the corresponding reform oforganizations, updated business philosophy, ultimately achieve liquidity cost savings, the controllable risk, pricing science, can balance the goal.