Small And Micro Businesses Financial Service Innovation Research

The current situation of banking industry in China show that with the accelerating of the interest rate marketization, interest margin narrows sharply; with the gradual improving of the financial market system, the business pattern of considering the big customers as the main service object is broken down step by step; with the further intensifying of the "Financial disintermediation", the bargaining power big customers increases and the customers loss is aggravated. At the same time, small and micro enterprises, the driving force of economic development in the future, play an important role of creating thriving market, expanding domestic demand, absorbing employment, and promoting urbanization. But due to traditional consciousness idea way and method of bank service, the small and micro enterprises financial market became the market of shallow engagement and inadequate competition instead of the market which is full of active real financial demand and big business opportunities. Thus changing the traditional management mode, turning the target customers from big to small and micro enterprises, opening up the new business breakthrough and growth point, and starting with meeting customers’ diversified financial needs to make the necessary credit cultural revolution, as well as product development, process design and operation mode adjustment, is the key of the development of the current commercial banks.This article takes the combined research method of theory and empirical analysis, by analyzing the characteristics, the financing way, and the loan status of small and micro enterprises, as well as the current situation of the commercial banks providing financial services and the factors of restricting the financial service innovation of small and micro enterprises, to illustrate the feasibility and the necessity of business development of small and micro enterprises. On this basis, this article studies the motivation and ways of the small and micro enterprises financial service innovation, including the reorientation of financial institutions role, the innovation of service concept, the innovation of product development and service, the improvement of staff quality, and the change of service process. Finally, according to the above study, the countermeasure and suggestion of small and micro enterprise financial service innovation are put forward: First, exert the guiding function of small and micro enterprises, including assisting small and micro enterprises to make accurate market positioning and planning, using specific supported measure for different types of small and micro enterprises and guiding the development of the potential small and micro enterprises. Second, exert the service function of small and micro enterprises, including putting specialized business services into use, implementing of specialized modern information management system, applying the evaluation method of customers, and establishing and perfecting the financial credit management system. Finally, provide value-added services for small and micro enterprises.