Study Of Credit For Small Businesses To Support Small And Medium-sized Commercial Banks

Because more and social contributions of small enterprises by providing more prominent,therefore the financing problems of small enterprises has attracted more and more attention ofthe society, for the small and medium-sized commercial banks, for small business financialservices has become a feature of their existence, and these banks large force for thedevelopment of small business financial services, make it become a methods to deal with themarket-oriented interest rate. At the same time, the small business credit is developing rapidly,the theory has become the current domestic and foreign commercial banks and the industry ahot issue of research scholars.This paper research angle positioning in the small and medium-sized commercial banks,combined with the research results of scholars at home and abroad, from small businesses tostart, through the importance of small business to our country social economy, comprehensivedevelopment, especially the important significance to the development of commercialbanking business in small and medium-sized city, explains the characteristics of financingdevelopment present situation, our country small the small business enterprise, leads to aseries of financing problems of small enterprises. Then introduces the characteristics andoperation principle of the domestic small and medium-sized commercial banks for smallbusiness credit services, and from the small and medium-sized banks to small business creditservices advantages, disadvantages of the two aspects of the credit service analysis. Throughthe description of the current situation of YH bank, as well as the development situation ofYH bank small business credit business, combined with the author’s experience in YH bank grass-roots work, analyzing the practical development of small business credit business of YHbank, to explore the existence of small and medium-sized city commercial bank is provided insupport of small business credit industry problems and solutions.In this paper, our small business credit situation in the next period of time is still urgent,so the credit management innovation of small enterprises can ensure the development of smallbusiness credit business of sustained and stable. The innovative development of the smallbusiness loan business process is the key to small and medium-sized city commercial banks tosmall business credit business management, hope that through innovation of the smallbusiness credit management, the promotion of YH bank small business credit businesscompetitiveness in the certain degree to rise, while reducing the small business credit businessrisk, to achieve win-win, to provide new impetus for the development of YH bank.