At the beginning of the restructuring of Changshu Rural Commercial Bank, due to its eagerness to build a brand, it made large-scale loans to influential private and foreign customers in Changshu at that time, so it encountered risks one after another. After paying a large amount of tuition fees, in 2008, the bank established a micro-finance business strategy of "increasing the number of households and becoming small customers". By taking the lead in introducing and iteratively innovating the IPC micro-loan technology in Germany, we explored and formed a four-step working method of "seeing, listening and asking", constructed and improved the working mechanism of micro-finance from six dimensions, and gradually became a micro-finance expert who knew the enterprise's intentions, adhered to the enterprise's heart and observed the enterprise's situation. /kloc-in the past three years, the bank and the rural banks initiated by it have issued more than 380 billion yuan of small and micro loans, serving 700,000 small and micro customers.