The Analysis Of MSE Development In Yinzhou Bank

It is common that micro and small enterprises face financing difficulties, and most of them show the figures of improper company running, unscientific management, unsound journaling, short life, weak anti-risk ability, high credit risk and lack of mortgage collateral, in addition, the formal financial institutions believe that high costs on serve the micro and small enterprise will lead to high potential risks, so that they have been not willing to participate in small and micro enterprises’ financial services. However, according to data of recent years, the small and micro enterprise play a positive role in solving the difficult employment issue, and most successful people start from small company. As the most populous country in the world, it is strategic significantly to focus on developing the small and micro enterprises as it is important to solve employment, stable society, promote the economic and the society develop healthily and harmoniously. More to the point, small and micro enterprises may be large company accompany with the accumulation of development, so they will play a key role in the national economy. For all the reasons above, it is meaningful to solve the difficulties in the small and micro enterprises’ small and micro enterprises.The paper based on the background information of the financing difficult problem of small customers, integrated use the methods of literature review, theoretical analysis, experience summary and empirical research to set up the research perspective and thesis framework. The first chapter briefly showed the research background and significance, exposited current status of research on Microfinance both at home and abroad, and then showed the innovation and lack of this research. The second chapter defined the Microfinance, customer categories and introduced the theoretical basis of this paper. The third chapter introduced the successful experience on Microfinance in three different banks, which provided reference to the Bank of Yinzhou. The forth chapter gave an overview on the operational status, business characteristics and some problems on Microfinance business of the Bank of Yinzhou, and accordingly proposed some measures. The fifth chapter combined with cases, used the cash flow analysis technology to the specific operation level, showed the Microfinance business process more effectively. At last, this paper summarized and reviewed, then put forward some policy suggestions.Practice shows that, the techniques of credit investigation and analysis which based on cash flow analysis is very useful, and the Bank of Yinzhou has effectively relieved the production and development issues of the small and micro enterprises by introducing the technology. In the future, it is necessary to constantly enrich the team construction, optimize business processes, cultivate healthy credit culture, innovative credit products and so on in order to ensure that the project achieved sustainably healthy development.