Based On The Service Small Micro Enterprise Of Luoyang Bank Loans Model Research

Increasingly accelerated with the economic globalization process, the increasingly fierce market competition, the development of small and micro enterprises has become a worldwide research project, there are a large number of small and micro enterprises is an inevitable result of economic development, but also the inherent requirements of the competition in the market,prerequisite for employment absorption active market sentiment, promote economic growth, to maintain the vitality of the market, is an important pillar of the national economy, but because of the traditional bank lending model, as well as small and micro enterprises own reasons affect the financing of small and micro enterprises in the development processbecome a major problem, how to build better support for small and micro enterprise lending model, is the main direction of my research.In this paper, the qualitative and quantitative analysis, reference literature and research methods, combined with the experience of recent years and work experience, a study of the Luoyang bank support small micro-enterprise lending model, the current operating status of small and micro enterprises in Luoyang City,market prospects, financing conditions, combined with the actual situation of the the Luoyang bank support for small and micro enterprises, Luoyang bank how to better support the development of small and micro enterprises, research and exploration of the existing problems and to support small micro-enterprise loans modenew ideas and a new model in order to better support the development of small and micro enterprises. In this paper, the the Luoyang bank loans to support small and micro enterprises mode research, some problems existing lending model, research and possible solutions for the existing problems in order to promote the Luoyang Bank further optimized to support small micro-enterprise lending modeland improved to better support the development of small and micro enterprises, and also to support small micro-enterprise loans to other financial institutions to provide lending model reference.