Study On The Developing Of Chinese Commercial Banks’ Credit Model Of Small-and-micro Enterprises

Since the issuing of policies on supporting medium and small, small and micro enterprises by the State Council in the October of2011,the development of small-micro enterprises was receiving more and more concern across the country. As an important part of China’s real economy, Small-micro enterprise plays an important role in the activities of market economy in our country, such as the economic growth, social stability, job security, tax increases and the like, and has had a profound impact on scientific and technological innovation and rich market. Although small-micro enterprise enjoys a quick development in recent years, it still could not hide its problems caused by its weak strength. One of those is the financing problem which seriously restricts the development scale and operating conditions.Small micro enterprises need mostly the financial support during their growing course, and their future is directly related to the opening extent of financing channels.At this stage, the construction of the financial system in our country continues to improve, small micro enterprise financing channels need to be rich, the commercial bank credit support small micro enterprise financing is the main external factors.In2011,the Chinese government and the financial regulators clearly put forward to support the development of small micro enterprise credit "the two is not lower than" goal,policy guide commercial Banks to strengthen the small micro lending. This reflects the importance of small micro enterprise financing problems research.The research object of this study is the China’s commercial banks acting as financial supporters to the small-micro enterprises.Based on the analysis of the existing commercial banks’credit and financial pattern, this article strives to find out the shortcoming of the pattern, offer some practical advices, and finally improve the credit and finance business.In small micro enterprise credit of commercial bank based on the research background, significance, through small micro enterprise financing problems related literature, summarized in relational credit to understand the credit pattern of the information asymmetry problem research status.Through to our country the status quo of small micro enterprise credit business and pattern analysis, summed up the developing small micro credit in our country the main problems.The analysis of small micro enterprise credit, our country can solve the problem of small micro enterprise financing difficulties through the optimization model of commercial bank credit as the breakthrough point of the problem. Then, based on "credit factory",introduced in the construction bank credit model as a case analysis on the model, the effect of the operation process and the construction bank use think this model can help commercial Banks to support small micro enterprise credit financing, but also in the process of using exists some problems need to be aware of.Finally, in view of the problems found in actual application, to realize the common development of commercial banks and small micro enterprise, this paper sums up the optimization measures of the commercial banks’credit model of small micro enterprise as the following aspects:clearing market positioning, optimizing of process settings, simplifying the business procedures, strengthening post-loan management, specifying matching mechanism, innovating business channels, etc.