A Study On Microfinance Development Of Bank Of Jilin

According to statistics, currently there are about 66.66 million small micro enterprises in our country. The number of small micro enterprises, accounting for 99% of the total number of national enterprises and these enterprises accounted for 50% of China’s tax, 60% of GDP, 70% of the invention patent, create 80% of jobs. Small micro enterprise have played an important role in stable growth, creating jobs, increasing tax revenue, etc. However, according to data released by the central bank by the end of June 2015, small micro enterprise loan balance accounts for only 30% of the total enterprise loan balance. According to the survey of the national federation of industry and commerce, 95% of small micro enterprise is without any loan relationships with financial institutions. Obviously, the formal financial system in China cannot provide sustained and competitive service to these individuals and businesses. It also means small micro financial-service system has a wide development space and huge demand.This paper uses literature analysis and field survey. Analyse opinions of domestic and foreign scholars on the micro finance, the paper try to find the theory basis of micro financial development. It draws lessons from Grameen Bank, Bank Rakyat Indonesia, Wells Fargo, Industrial and Commercial bank, Minsheng bank, Baoshang Bank Limited, Tyrone Banks in the small micro financial business, and combines with the characteristics of Bank of Jilin itself, the external economic environment and the development of small micro financial business, to analyse the problems during the development of micro financial system, and to solve these problems in every aspect.