A Study On Micro-finance Service Of P Bank

Due to the financial non-transparency, nonstandard regulations, bing lack ofmortgage guarantees and the outside financial environment, small and micro businessesin China always have difficulties in financing. Happily, under the stress of externalfinancial environment and internal developing bottleneck, commercial banks began tostep into small and micro market and even regard micro-finance as one of the mostimportant strategic businesses in recent years.After reading and summarizing the existing studies, it could be found that most ofthe studies of micro-finance are scattered in various sub-topics such as micro-corporationcredit pricing, pricing model and risk management. However, the systematic studies ofmicro-finance service are relatively scarce.This thesis firstly summarized the current condition problems behind it related tomicro-finance, and then analyzed the specific micro-finance operations in P bank fromcustomer orientation, market development, risk control and supporting measures.Furthermore, this thesis come up with several suggestions for improvement based on theexposed problems in P bank.Through combining the related theories with actual practices of micro-financeservice in P bank, this thesis proposed suggestions for improving service frommacro-perspective and micro-perspective respectively. Meanwhile, all the suggestionsproposed could provide reference for other commercial banks. To sum up, after analyzingunderlying reasons behind exposed problems and proposing suggestions accordingly, thisthesis reached the following conclusions:(1) Government policies and financial supportplay an significant role in solving small and micro businesses financing difficulties;(2)Business district, industry chain and guild are the core of developing micro market;(3)Complete back-up operating system is the premise;(4) Risk management is crucial indeveloping micro-finance;(5) Talents is always critical factor in micro-finance service; (6) Supply chain finance based on the “big data” is the trend of improving micro-financeservice.