The Research On Small And Micro Financial Services Based On A Certain Branch Of China Construction Bank

With the further development of China s market economy system reform, smalland micro enterprises play an increasingly important role in promoting economicgrowth,maintaining social stability, promoting scientific and technological innovation,and giving full play to the market economy vigor.But in recent years, small and microenterprises sufferedor both internal and external economicimpacts. Challenges such asthe financial crisis, the RMB appreciation pressure and the rise of labor factorpriceshave led to a large number of operation difficulties in small and microenterprises,especially the tension of capital chains.In order to overcome thedifficulties, those small and micro enterprises must rely on strong financialsupport.Based on this situation,the government has attached great importance to thedevelopment of small and micro enterprises.At the same time, China’s commercialbanks are faced with multiple challengesfrom both macro and micro level. For example, marketization of interest rate directlynarrowsbanks net interest spread, financial disintermediationdecreases thecreditdemand of thebanks high-quality customer; the fierce competition fromboth insideand outside financial industry makes the bank’s profit marginsfurthercompressed.Commercialbanksare forced to focus on more segmental objects andlooking for new profitgrowing point.The huge market capacity of small and microfinancial services provides a newthought of strategic transformation for the banks.This articletakes the small and micro financial services as the researchobject,provided by a certain branch ofChina Construction Bank(CCB).We appliedboth theoretical and empirical methodto analyzewhy and how commercial banksshoulddevelopsmall and micro financial services.Firstofall,employed theories ofeconomies of scale, monopoly competition and industrial cluster to analyzetheadvantages and trend for commercial banks toprovide small and micro fin ancialservices.Secondly, this article expounded the present situation and the main problemsabout small and micro financial services ofthis CBS branch, and evaluated thebranche s small and micro-financial services from three aspects of the breadth:depthand efficiency, drawing the conclusion that the capability in this branch to providesmall and micro financial services is quite inadequate.Then, based on the actualityfive reasons that:1) the bank s insufficient financial resources input;2) weak competence of the financial product;3) customer service supply conflict with thedemand;4) outdated technology;5) unsound internal system. This article furtherdiscussed causes of inadequate capability of small and micro financial services thatexisted in this CBS branch.Finally, in accordance to the specialty of local small andmicro enterprises, this article brought forward several policy proposals about how toenhance the capability of small and micro financial services basing on fiveperspectinve:resource input,product, services, technology, and institution,amongwhich the ideas of applying the gradient propulsion mode in student ability trainingon the development of small and micro financial services shall promote a dynamicmanagement in order to effectively improve customer experience, which bears asignificant meaning in practice as realizing the maturation of both the banks and thesmall and micro enterprises.The research of the article, on the one hand, to enhance the level of constructionbank some branch small micro financial services, better serve the small microenterprise is of great significance, and for other commercial Banks to carry out thesmall micro financial services provides reference; On the other hand, will help easethe small micro enterprise financing difficult problem, give full play to the marketeconomic activity, help small micro enterprises healthy development.