Research On The Development Of Small And Medium - Sized Financial System Of Joint - Stock Commercial Bank In China

Small micro enterprises as the most grass-roots social fund system, the most widely, the most active power, become social hot topic in recent years, the development of small micro enterprises also received wide attention from all walks of life.After national vigorously promote small micro financial development, the progress of the small micro financial services of commercial bank is very big, small micro lending boom, flexible, practical, innovative products to perfect.Small micro loan balance of growth from the commercial Banks scale, its contribution to the small micro enterprise is obvious to all, but in the economic downward pressure increases, the foreign capital enterprise to evacuate, the phenomenon such as real estate downturn occurred against the background of gradually, too radical small micro strategy has been to commercial Banks has brought negative impact on the development of small micro financial business, the most direct phenomenon is the failure rate increases, even some insiders "talk about small color change".This paper from the definition, characteristics, micro enterprises and other aspects of financial services demand, combined with small micro financial current situation of the development of commercial Banks, through reading the annual report, field trips, more fully discovered small micro financial difficulties in the development of commercial Banks, and aiming at these difficulties, combined with some advanced cases, put forward its own viewpoint, namely: single-family credit shrink, multi-party cooperation platform, set up post-loan management department, product differentiation strategy, etc.The author thinks, the small micro lending margins is four times that of ordinary loans even higher, once through a soft landing in recent years, the shareholding commercial Banks of small business will contribute a considerable profit.