必威体育精装版商业银行小微金融的发展研究.pdfVIP

Abstract ABSTRACT With the rapid development of market economy, small and micro businesses received strong support from the government in recent years, the microfinance will become a part of our essential. At present ,the development of micro -finance in China is still in the initial stage, and because of Chinas special economic environment, need to combine the actual conditions of our country to study requires micro financial development system, financial support and supervision, to explore ways of Chinas micro-finance institutions construction. Since 2011, continued to run high deposit reserve rate and loan-to-deposit ratio control seriously restricts the development of commercial banks of scarce capital management. According to financial statistics data show, the year 2011 RMB loans increased by 7.47 thousand billion Yuan less year-on-year increase of 390.1 billion yuan credit line, unable to meet the traditional commercial banking business needs. Continued funding pressure to the commercial banks operating profit increased damage.Therefore, intensive development has become the consensus of the transformation of commercial bank operation. From the retail business of commercial banks since the property market regulation to personal loans must be influenced by the bank income influence. With the property market in 2012 continued to control most of the banks to adjust credit structure to small micro financial market. In view of this, to explore the theoretical and empirical analysis of deep in our commercial bank small micro financial institutions development, trying to draw some useful conclusions and implications. This article unifies our co