Research On The Development Strategy Of JNRS Village Bank Microfinance Business

Since the 1990 s,SMEs have shown a rapid development trend,and the number has increased year by year,and its role has become increasingly prominent.For some small and medium-sized enterprises with development potential to provide loan assistance and support their development,cultivating good future customers should become an important strategic measure for JNRS rural banks.As a special subject,the rural bank is an emerging financial institution in the financial market.Its birth and development meet the capital needs of small and medium-sized enterprises and rural development,and enhance the vitality of the rural financial market.Small and medium-sized enterprises(SMEs)and rural revitalization will often encounter shortages of funds,and their capital needs are characterized by short deadlines,low quotas,and tight time.Large commercial banks are mainly aimed at large enterprises,large projects,and large markets.In terms of loan cost considerations,it is generally unwilling or rarely involved in microfinance loan business in small and medium-sized enterprises and rural development.On the one hand,it reflects the difficulty of financing small and medium-sized enterprises and farmers in rural areas.JNRS Rural Bank has been in business for six years since its establishment in 2012.The loan business based on microfinance has achieved rapid development,but it also faces many contradictions and problems.Therefore,research and exploration of small loans of JNRS rural banks The issue of business sustainability has important practical significance.Looking at the JNRS village bank.The problems of the development strategies of rural banks were analyzed and discussed.Firstly,through the rural financial market theory and comparative analysis method,this paper analyzes the development status of microfinance in rural banks in China,what advantages exist in the development process and the shortcomings in the current business of JNRS rural banks,and analyzes them with SWOT analysis.Initiatives,disadvantages,opportunities and threats,exploring the development prospects of JNRS Bank from the above aspects;two typical The key analysis of the development process of microfinance in rural banks is to summarize the excellent development experience.Finally,it puts forward targeted suggestions on how to maintain the healthy and effective development of the microfinance business of JNRS rural banks.The analysis of this paper finds that at present,JNRS rural banks have problems in the development of microfinance business,and the risk of microfinance guarantee system is notperfect.The risk of rural credit market is large: it is mainly reflected in the fact that farmers are affected by natural disasters and so on.The factors have a large impact,and it is prone to shortage of funds,difficulty in repayment,and high non-performing rate.Based on this,it proposes ways to increase risk prevention to promote the healthy development of microfinance business,strengthen post-loan management,ensure the operational safety of rural microfinance market development,improve the efficiency of credit assets,strengthen post-loan tracking and inspection,and take effective measures to Revitalize non-performing loans,reduce the ratio of non-performing loans;improve the rural credit management system and related laws and regulations and other countermeasures.