Research On Small And Micro Financial Business Of Bank Under The Internet Financeial Shock

Small and micro business play a vital role in our national economy, As the short life cycle of SMEs, internal control's deficiency, and the external tremendous competitive pressures of loan, the difficulty and expensive of the loan is a stumbling block while SMEs developed. While with the Internet Finance's coming, the financing question is no longer a problemplagued the small and micro business development. Small and micro business can solve the problem by ppdai, CreditEase, Alibaba, Jingdong and other network lending platform to solve the problem. Of course, while bring the convenience to small and micro business, but also bring the great challenges to commercial banks. While strong financial impact from the Internet, how to develop their small and micro business, prevent performance decline and churn becomes a problem. Based on the background, the research object of this paper is mall and micro finance, and then taking Zhuhai Rural Commercial Bank for example. In the context of Internet Finance, the article focuses on thecarry out of mall and micro finance business of Zhuhai Rural Commercial Bank. This paper begins study from four aspects: internal environment, pricing mechanisms, development status, risk identification and control expansion of mall and micro finance. Financial management, payment and settlement and other services also included in mall and micro finance, this paper then discuss. According to the discussion, analysis the performance analysis of each trade a, compared to its support for different industries. To the mall and micro finance business of Zhuhai Rural Commercial Bank, we concluded the development lags behind, a lack of innovative financial products and effective business marketing mechanism. For the current general situation, banks should build independent Internet financial services system; promoting small and micro enterprises docking service mode under the Community Bank; promoting the introduction of "bank and government cooperation" with small and micro enterprises batch mode; developing innovative financial services products.