Study On The Development And Countermeasure Of Small Loans In Chengdu Rural Commercial Bank

The trend of economic globalization provides new opportunities for developing countries which will use international capital and international market. At the same time it also brings a huge challenge in developing countries, and a variety of negative effects. China, the world’s largest developing country, its macroeconomic policies are constantly changing. The non-public sector of the economy is developing rapidly, but the lack of the financial support. This kind of lack will restrict the development of small and medium-sized enterprises and the development of rural economy.Because of the policy, the commercial banks pay more and more attention to the microfinance. The commercial banks pursue their goal of the sustainable development, and provide the financial services like Saving, Loan, Insurance etc for microfinance customers. Meanwhile, there are some problems are in the microfinance development. In this dissertation, the CDRCB is as an example, we will deep analysis on some problems in macroeconomic of the CDRCB, which based on the survey and the data research, and explore ways of reforming for the microfinance. From the bank of internal, like those, labor cost and income can’t keep balance, lack of approver; because the lack of professional guidance, the post-loan supervision is in trouble. From the bank outside, the interest rate, loan way, business transaction process and so on are the main factors that influence the customers choose the lending bank, so the bank should consider the optimization of process and innovate products to adapt to the market.In order to promote the development of microfinance, we will provide some reasonable and operational suggestion from analysis of the external factors and internal factors. Including the optimization of human resources, the approver management, the process management, the diversified marketing, these will solve the problems from the bank of internal; In the meantime, like improvement of business processes, innovative products, strengthen post-loan management will promote reform to deal with the problem from the bank outside.