Livelihood small micro loan balance broken 400 billion will test water big data

Minsheng Bank (600016, shares) recently disclosed that, as of now, the bank's small micro-credit balance has exceeded 400 billion yuan, the five-year cumulative grant of small micro-loans exceeded 1.2 trillion yuan.


This is since last year's small micro-loan balance exceeded 300 billion yuan, livelihood small micro loan balance again break through the integer pass. In fact, since 2009 in the "Small micro-Enterprise Bank", the introduction of "business and credit" businesses, Minsheng Bank, the full force began to tilt the resources in the small microfinance sector. Since then, the small micro-http://www.aliyun.com/zixun/aggregation/6343.html "> Financial Business One step at a time, the loan balance at a rate of 100 billion yuan per year rapid growth."


2010, the livelihood of small micro-credit balance breakthrough 100 billion yuan, 2011 breakthrough 200 billion Yuan, to 2012 breakthrough 300 billion yuan. At present, the livelihood of small micro-credit balance has exceeded 400 billion yuan, increasing the number of 100 billion yuan less time. According to this speed, to 3721.html ">2014 year, small micro-loan balance breakthrough 500 billion yuan should be expected."


Minsheng Bank President Hongzia said that from 2009 onwards, Minsheng Bank on the loan line to small micro-enterprises tilt, 5 years has been issued a small micro-loan to reach 1.2 trillion yuan, the rate of adverse control in 0.52%.


Lin Yunshan, assistant governor of the bank, said that at present, Minsheng Bank small micro-customers have reached 1.7 million households, including the loan balance of more than 300,000 customers.


all along, commercial banks are confronted with the problems of large risk, high cost and difficult to keep in small micro loan business. Even in the world, small microfinance can achieve sustainable development, there are few success stories. For now, the crack of the puzzle is likely to be born in China.


five years of practice, Minsheng Bank is gradually looking for a sustainable small micro-finance model, the trick is to solve the problem of large risk and high cost by means of mass and scale. And its theoretical basis is the law of large numbers, based on the law of large numbers, Minsheng bank believes that a single small micro-credit risk may be large, business behavior is also unpredictable, but if thousands of similar small micro-credit, the adverse rate will tend to stable and predictable, thus small micro-financial risk controllable, cost controllable.


in the implementation of the path, Minsheng Bank focused on the two dimensions of the law: a Circle (Business circle) a chain (industrial chain) model and urban business cooperatives model.


The so-called "one circle, one chain", that is, around the business circle and industrial chain batch development of small micro-customers. At present, the people's livelihood "one circle, one chain" batch credit project reached more than 3,000, focusing on supporting the 78 characteristics of the industry chain, loan balance of more than 380 billion yuan. Practice shows that in the national large business circle, the key industry chain, Minsheng Bank has a high market penetration rate, to achieve batch development, the bad rate can be effectively controlled.

After the success of
"one circle, one chain", people's livelihood promoted the model of urban commercial cooperatives from 2011 to the next, that is, according to the characteristics of regional, industry, the former loose small micro merchant, integrated into an organized economy, thus realizing the integration and batch development of customer resources. At present, the bank has established more than 3,000 cooperatives, mutual funds secured loans more than 32 billion yuan.


for the next small micro-finance strategy, Minsheng Bank will rely more on the new means given by internet finance. The bank said that the next 5 years, will be large data as a means to achieve small micro-finance data, systematization and flow.