A Study Of Small Micro Enterprise Credit Policy

In the current economic situation is grim, small micro enterprisedevelopment area is an important driving force to promote economicoperation, small micro enterprise with its characteristics of flexibility,easy operation of the rapid rise of national policy, the development ofsmall miniature enterprise to implement further, especially to support atthe policy level.Bank as an important channel for small miniature enterprisefinancing, it can providing convenient conditions for small miniatureenterprise financing. Agricultural Bank of China Inner Mongolia branchconscientiously implement the "State Council requirements" severalopinions on further promoting the development of small andmedium-sized enterprises, combined with the autonomous region "topromote the small and medium-sized enterprise policy implementationyear" activities, and actively implement the "notice" the China BankingRegulatory Commission China Banking Regulatory Commission onsupport commercial banks to further improve financial services to smallbusinesses and "for banks to establish small business financial servicesinstitutions guidance", further enhance the understanding of services forsmall and medium-sized enterprises, to take "perfect organizationconstruction, promote the mechanism transformation, theimplementation of supporting measures, enhance the service capacity,strengthen risk prevention and control, strengthening internationalcooperation" and a series of measures to promote the financialmanagement of small enterprises, and achieved good results.In this paper, the Agricultural Bank Inner Mongolia branch as anexample, studied the specific implementation of commercial bankscredit policy of small miniature enterprise, combined with regional smallminiature enterprise characteristics and the Agricultural Bank of the business, to promote the concept of economic security in return for smallmicro enterprise service. The small miniature enterprise financingdifficult problem analysis, in terms of the development status of thegovernment, banks, small micro enterprise angle, eventually hope to beable to turn to small micro enterprise risk awareness, and actively carryout and small micro enterprise cooperation, improve the small andmedium-sized enterprise financial management organization, serviceinstitutions pilot is fully open, the credit the policy system graduallyperfect, enrich financial products, and further strengthen the riskmanagement system, credit of small and medium enterprises rapidgrowth, and better serving the local economy.