Research On Small(Micro) And Medium-sized Enterprises’ Financing System And Product Innovation

Nowadays, small and medium(micro)-sized enterprises, which have very important status, play an important role in the whole social and economic development. They are very important to the economic growth, solve the employment problem, and maintain social stability. On one hand, small and medium(micro)-sized enterprises play such an important role; on the other hand, they have a lot of problems need to be solved. One of the most prominent problem is the bank financing problems. Now, solving this difficult problem has formed a broad consensus, but the real contributing factors have not been effectively done. Of course, small and medium(micro)-sized enterprises have the irproblems, but also the objectiveenvironment does some thing. American, Japan, Taiwan and Eastern Europe have a wealth of experience in supporting the development of these small and medium(micro)-sized enter prises. Their financing system building is perfect, our country can learn many worthy from them. Of course, in order to solve the financing difficult problem, the key step is to domestic commercial banks to take. The variety of existing approval models of commercial bank sin our country are not effective, and the allocation of human resources is short board, talent gap is relatively large. Cross regional expansion of city commercial banks in recent years make it worse.So establishing a better financing support system immediately for small and medium(micro)-sized enterprises is very necessary.This paper expects analysis these problems objectively and prudently from a staff of the bank. By reviewing present situation of these enterprises and learning other countries’ useful ways, I set up anew approval model structure and human resources distribution to solve these problems. And I hope through financial product innovation to small and medium-sized(micro) enterprise can produce some standard products, so as to further enhance efficiency.