The Research Of Financial Service And Innovation For Small And Micro Businesses In Z X Bank

Since the Reform and Opening-up, China’s Small and micro businesses had developed rapidly, played an important role in the technological promotion innovation, development and construction of new rural area.Because of the low credit cost benefit, the not-highly credibility of qualification,lack of collateral of Small and micro businesses,which coupled with the immaturity of market mechanism, the social credit environment is not so perfect. The financing problem has always existed between those Small and micro businesses, that seriously hindered the development of them.Commercial banks in China are financing "force" for Small and micro businesses,which can solve the problem of financing Small and micro businesses, speed up the construction of Small and micro businesses financial service system and product system.Therefore, put the Z X Bank which is one of the domestic commercial banks with strong capital base as an example, put forward to strengthen and improve the small micro enterprise financing service strategy, the transition from the development of commercial banks, business innovation and social responsibility point of view, to inspire our Small and micro businesses the vitality of the market, to promote industrial transformation and upgrading.This paper analyzes the positive effects the main measures of Z X Bank in small micro enterprise financial services and innovation, put forward the service small micro enterprises increased substantially in recent years, retail flagship store has become an important carrier of small business financial services for small and micro enterprises, the types of products are also constantly enriched. But there are also problems, like the industry distribution is not uniform, the credit system and the decision-making management system and mechanism still cannot meet the demand of small micro enterprise, small micro enterprise financial management service also is not perfect and so. Further, by using the SWOT trend analysis method, analyzes the existing Z X Bank small business financial services and innovation advantage, disadvantage, opportunity and threat.On the basis, the thesis analyze the main measures to obtain positive results, Z X Bank in Small and micro businesses in financial services and innovation in take and problems. Use reference from the Pudong development bank equity fund investment patterns, China Merchants Bank online banking exclusive Small and micro businesses service mode, the Bank of Shanghai and the government enterprises to create community model, Zhejiang Taizhou Commercial Bank of flexible pricing mechanism for high risk and service mode. Then, proposed Six strategy choices of China Z X Bank Small and micro businesses from the target customer service platform, product innovation and integration, the Internet financial innovation, credit risk management strategy, organization strategy,.Those suggestions and countermeasures on China Z X Bank will provide references for other domestic commercial banks.and play important roles in practical significance to solve the problems of China Small and micro businesses financing.