A Comparative Study On The Development Of Small And Medium-sized Banks’ Small And Micro Finance

In recent years, the country continues to supply policy support to small and micro enterprises’financial services and supports the development of small and micro enterprises through the implementation of the tax incentives, improving the financial environment of small and micro enterprises and other measures to stabilize our country’s economy and maintain stable and rapid development. And at the same time, guide commercial banks to supply lending to dynamic small and micro enterprises in order to promote the sustainable and healthy and orderly development of small and micro enterprises’financial services. Small and micro enterprises occupy an increasingly important role in our national economy and small and micro finance services also develops from the initial stage of mode exploring to the optimization and upgrading phase. Facing interest rate marketing, financial disintermediation and product homogeneity competition which resulting in spreads narrowed and profit model convergence, the major commercial banks expand actively to the field of small and micro finance and show a strong development momentum. So whether it is from the banks’social responsibility or their own development, small and micro financial services is an inevitable choice for banks’strategic transformation.Based on this, the article studies the development of small micro-finance of small and medium-sized banks, the most dynamic one of commercial banking system and selects sample banks, banks’amount of assets, the number of outlets, small micro-finance loans and small micro-indicators such as the number of customers for its longitudinal comparative analysis of small and micro finance enterprises’development. Besides, this paper analyses comparatively the strengths, weaknesses, opportunities and challenges of small banks’ small and micro finance development reflected in the competitive environment basing on the sustainable development and innovative product concepts of small micro-finance of MinSheng Bank, the innovation leader of domestic small and micro business development. And then, this article probes deeply our country’s innovative trends of small and micro finance and provides a reference for the development of small and micro finance of other joint-stock banks, city commercial banks, private banks and other small and medium banks.