Research On Building Small And Micro Financing For The A City Commercial Bank

With China’s economic development has entered a new norm,small and micro enterprises to promote the sustained and healthy development of China’s economic transformation and upgrading of great significance.At the same time,financial disintermediation and interest rate market has become an inevitable trend,Internet companies push into the financial sector,even encroach on the core business of a bank credit.In the face of severe market challenges,among the policies,carry out small and micro credit business,to meet the demand for loans Small and micro businesses has become the focus of banks’ financial strategic layout and business development.Whether it is state-owned commercial banks or joint-stock banks,city commercial banks,and foreign banks are competing to launch new financing products for SMES.Long rooted local city commercial banks,with a wealth of business experience,of business in the area of enterprise information to fully understand and advantage of the relatively large banks highly flexible system,in carrying out small and micro business loans has obvious advantages,also for the industry to provide a representative outstanding sample.The A bank in China as early as the introduction of foreign advanced small micro credit model,has enough experience and mature technology in the field of micro credit,have achieved outstanding performance.But in the new economic norm,A bank’s existing business model in the scale of growth,profit growth,business efficiency and risk control has been unable to meet the requirements of the development.From the perspective of A bank,the paper analyses the related issues on SMEs financial services systematically.Based on learning from the successful experience of international SMEs financial service institutions,the paper examines the environment of A bank’s SMEs financial services from the macro,micro perspectives.By using the frameworks and tools such as PEST model,PSWOT analysis,strategic analysis,in order to achieve the three objectives of a bank scale,profit,risk control,based on standardization and system of two principles,proposed the development of micro finance business model recommendations and help a bank to achieve the transformation of the business model,for small and micro enterprises to provide comprehensive and value-added services for.This paper is divided into five parts: the first chapter is the introduction,including the topic purpose and significance of the study,research status at home and abroad,research methods and framework;the second chapter is a summary of the relevant theories.The third chapter is a review of a bank development of small micro financial situation,focuses on the analysis of a bank development of small micro financial existence question;the fourth chapter of a bank development of small micro financial focus on the direction of the research and the implementation of the strategy.Chapter five is the conclusion and prospect.