Strengthen Industry Benchmark Research, Promote Banking Small Lending Development Ms. Zhang Rui, Financial Institute of People's Bank of China (PBOC) August 5th , 2014 Directory Research Background Research Group Composition Constitution of Banking Small Lending Industry Benchmark Indicators Research Differentiated Advantages 2 Research Background National Development Strategy With the joint efforts of all countries in the world, inclusive finance has developed from a framework conception into a financial development strategy and widely recognized by international community and financial institutions. Chinese government has set inclusive finance as a national strategy, and dedicated to bring more and fair benefits of development to all the people. Practices of Small Lending in China Judging from the practices of small lending in China, with their capital and policy advantages, small lending banks have gradually become the leading force in promoting the development of small lending industry, also, they have increasingly become an important part of global microfinance. Need of At present, domestic and global small lending banks urgently need a set of applicable Small Lending industry benchmarks and related appraisal methodology to guide their business practice. Banks 3 Research Group Composition Harbin Bank PBOC Financial Consumer Protection Bureau Initiative Party Leading Party Study and design Banking Small Lending Industry Benchmark System to provide a set of applicable industry benchmarks and appraisal methodology for the commercial banks dedicated to small lending business to guide their business practice. Finance and Banking Institute of Chinese Academy of Social Sciences China Association of Microfinance Key Players MIX Market Harbin Bank 4 Banking Small Lending Industry Benchmark Indicators Constitution of Indicators Social Influence Business Strategy Small Lending Management Ability Brand Influence Social Performance Asset Quality Profitability Operating Ability Small Lending Tech. Business Proportion Small Lending Limit Business Scope Commercial Model Client Positioning Development Strategy 5 Differentiated Advantages of the Research This research realizes its client-focused supposition by perceiving the appropriate banking small lending industry benchmarks on the basis of analyzing the objective needs and conditions of such weak client groups as MSEs, individual businessmen, private enterprise owners, farmers, and other natural persons; This research dynamically integrates domestic banking small lending practices with international experience through analytical research on the best small lending practices of Harbin bank, certain other domestic small lending banks, and certain MIXlisted foreign banks This research fully reflects the objective practices and operational standards of banking small lending under different national conditions by means of absolute value, relative value, formula and text descriptions. 6 Thanks! 7