The Investigation And Analysisi Of S Branch Micro-finance Business In R Rurual Commercial Bank

Rural commercial banks increased from rural credit restructuring,its purpose is to be able to better promote urban-rural integration,faster and better development of the rural economy.Micro-finance business is the most important rural commercial bank credit,one began to support the "three rural" policy,to help rural poor people to improve their living conditions or to provide operating funds to achieve their own business.But with the rapid social and economic development,"three rural" meaning changes,the original micro-credit business is no longer fully adapt to the modern economy.Therefore,the study of the micro-finance business has a practical significance.Currently,experts and scholars on the micro-finance business has conducted extensive research and have made significant progress.However,these studies were mostly from the national macro-policy research,the lack of targeted,specifically empirical research.Based on the theoretical study on the basis of domestic and foreign experts and scholars to R rural commercial banks,for example,analyzes the status quo of its micro-finance business and its processes and problems,and by the agricultural firm focuses on pilot branch of--S Branch,based on problems in the implementation of micro-finance carried out a series of improvements,as well as the improved S branch of the small micro-lending business situation.S branch of the first to introduce products based on the needs of different business within the jurisdiction of different residents,rich business types of small and micro credit.It also divided into different credit lines and loan interest rates and flexible repayment methods adopted in accordance with the degree of good or bad credit customers.S branch in order to change their disadvantage in the information asymmetry and reduce business risk,which take more effective measures in the business process.S branch of the loan pre-survey analysis focuses on investigating the authenticity of customer information,such as soft information analysis,logic tests and other measures.Through the analysis of specific cases showed that rural commercial banks to achieve its micro-finance sustainable development,not only need to guide national policy support,more important is the adjustment of internal factors.For example,have a rich business types,flexible loans to meet customer demand for personalized loan interest rate for the loan process measures and management methods for business development.Only the right to face and improve these internal factors,in order to faster and more effective development of micro-finance services.