商业银行小微金融服务策略研究——以福建长乐农商银行为例

The research on small and micro financial service strategy of commercial banks——taking Changle Rural Commercial Bank of Fujian Province as Example

改革开放以来,随着市场经济改革的不断深入,我国中小企业快速发展,并为我国经济的高速运行不断提供发展动力。但是由于自身规模小、缺乏担保物等因素影响,各大商业银行往往不重视小微企业的融资需求,小微企业面临着融资难的困境。以福建长乐农商银行为例,发现其在小微金融业务发展中存在业务模式同质化、内部运营制度与创新不足、客户开发方式不到位等问题,对此长乐农商行可以通过完善小微产品与服务、创新机构设置和服务模式等策略改进发展。并提出相应的对策建议,为长乐农商行小微金融业务的发展提出新思路。

Since the reform and opening up,with the continuous deepening of market economic reforms,small and medium-sized enterprises in China have developed rapidly and continuously,and continually provide development motivation for China’s rapid operating economy. However,due to factors such as,small scale and lack of collateral and other factors. Major commercial banks often do not pay enough attention to the financing needs of small and micro enterprises,which causes that small and micro enterprises face difficulties about financing. Through analysis about case of Changle Rural Commercial Bank of Fujian Province,it can be found that there are some problems in small and micro financial services. They are mainly about similarity of service model,lack of innovation in internal operation system,insufficient customer development work and so on. Hence,Changle Rural Commercial Bank can be developed through many strategies such as improving small and micro financial services and products,setting innovative institutions and service models,ect.