Why do banks carry out microfinance, and where is the profit of microfinance?

Microfinance is a kind of commercial loan with individuals or families as the core. The loan amount is generally more than 1 1,000 yuan and less than 200,000 yuan. Microfinance is an extension of microfinance in technology and practical application. Microfinance in China: It mainly serves agriculture, rural areas and small and medium-sized enterprises. The establishment of small loan companies has rationally pooled some private funds, standardized the private lending market, and effectively solved the financing difficulties of agriculture, rural areas and small and medium-sized enterprises.

At present, the profit is mainly interest, and the investment institutions in China microfinance market should come from industrial capital; Financing institutions are banks in law, and leverage tools such as deposit-taking, interbank lending and asset securitization have not been liberalized in policy, and the financing path through listing is still being explored.

At present, China's micro-loan rating has been implemented in various provinces, with local regulatory agencies as the leading institutions, but there is no independent third-party authoritative rating agency. It is expected that all innovative businesses of microfinance institutions in the future will be based on rating evaluation according to the traditional financial supervision concept path; If the open market business is liberalized in the future, there will be a huge demand for independent third-party rating agencies.

At present, international organizations such as IPC, which are active in China, have high market recognition and have completed a large number of consulting services. Exploring micro-credit technology suitable for China is still a hot spot in the market. At present, domestic consulting companies and commercial banks have made some attempts, but they have not yet formed a complete consulting service product.