Private Banks Expand Small And Micro Businesses With "Drip Irrigation" Faucets.

Recently, the CBRC announced that two private banks of Zhejiang network Merchants Bank and Shanghai Huarui bank were allowed to prepare for the construction.

This means that since July 25th, the CBRC approved Shenzhen Qianhai micro public bank, Wenzhou civil and commercial bank and Tianjin Jincheng bank, the private banks allowed to be built have expanded to five.

Private banks in China at the very beginning of the construction, caused great concern in the market, not only because the five banks were held by private capital, breaking the pattern of "unified ownership of state capital", accelerating the competition of the banking industry, but also because the establishment of five private banks provided a powerful starting point for the "directional drip irrigation" of loose policies under the background of "financing difficulties and high costs".

From the market positioning, five private banks implement differentiation strategy, which is in line with the direction of economic pformation and policy support. Besides Tianjin Jincheng bank, which focuses on serving the public business in Tianjin, Shenzhen Qianhai micro bank focuses on serving individual consumers and small businesses.

Emphasis is placed on Internet banking; Wenzhou civil commercial bank is located in small and micro businesses serving the Wenzhou region, individual industrial and commercial households and residential residents, and "three rural" in the county area.

The two private banks that have expanded this year have also invested their targets in the current small and micro enterprises. Among them, the Zhejiang Internet commercial bank aims to provide financial services for small and micro businesses and individual consumers, widening the boundaries of network businesses, and Shanghai Huarui bank will form exclusive financial products and services that cover "settlement, investment, financing and trading" for Shanghai free trade area.

For SMEs financing difficulties, financing expensive exploration and settlement mode, better serve the real economy.

Since the State Council issued the "opinion on further supporting the healthy development of small and micro enterprises" in 2012, senior officials have paid more and more attention to small and micro enterprises.

According to the statistics of reporters, since September 24th, the State Council has held 28 executive meetings, of which 14 have been referred to as "small and micro enterprises". The 14 executive meetings have emphasized the promotion of small and micro enterprises from many aspects such as industry orientation, financing methods, tax policies, entrepreneurship policies, employment policies, decentralization and decentralization.

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Small and micro enterprises are an important part of China's real economy. The development and growth of small and micro enterprises will play a key role in promoting China's economic pformation and upgrading.

To broaden the financing channels for small and micro enterprises is the most important part of the development of small and micro enterprises. To solve the financing difficulties of small and micro enterprises, we must thoroughly reform the financing mode of small and micro enterprises, and vigorously develop small and medium-sized financial institutions to "quench thirst" for small and micro enterprises.

The private banking pilot expansion will surely play an important role in the "directional drip irrigation" of small and micro enterprises.