Analysis On The Implementation Of The Credit Policy For Small And Micro Enterprises In The Banking Industry Of Songyuan City

Small and micro enterprises accounted for99%of the total Chinese enterprises, China contributed60percent of GDP and50%of revenue, an important stabilizing role in promoting China’s economic growth, expanding domestic demand,readjusting the structure aspect played an increasingly prominent, for enhancingChina’s economy vitality, increase tax revenue, expanding employment and promoting the healthy development of the real economy has played an irreplaceable role. At the same time, small and micro enterprises are also faced with the difficult transformation and upgrading, high cost, low technology, especially in difficultissues such as financing, which has restricted the survival and development of small and micro enterprises bottleneck. Especially in another round of volatility inthe economy, small and micro enterprises poor ability to withstand external risks, leading to difficulties in financing small and micro enterprises to survive thedifficult problem is more prominent, small and micro enterprises production, management, turnaround, and so need to expand the scale of funding support, whilethe banking sector as the main carrier of money supply, naturally become the many small and micro enterprises financing instruments, the most important channel. From the point of view of the bank itself, expanding small businesses can adjust both credit and optimize the credit structure to find new profit growth point,they can enhance the level of sustainable development and achieve stable operat ion of the banking sector. Therefore, the promotion of small and micro enterprises to strengthen the banking sector’s credit support to small and micro enterprises to enhance the implementation of the effect of banking credit policy has important and far-reaching significance.This paper is divided into seven sections. The first part describes the importance of small and micro enterprises studied banking credit policy implementation;second part describes the status of Songyuan City banking and small and microenterprise development; third part of the banking sector in chart format lists small and micro enterprise credit policy primarily content; part IV credit support from six institutional access, processing efficiency, pricing, fees, incentive and restraint mechanisms and innovative banking cited Songyuan small and micro enterprises credit policy implementation practices; fifth part of a detailed analysis of Songyuan City the performance of the banking sector and the reasons for the implementation of small micro-enterprise credit policy bias; part VI presents Songyuanenhance banking credit policy options for small and micro enterprises performed;part VII of the paper pointed out the problems and deficiencies exist.