Research On Small Business Financial Services In Inner

Small and medium-sized enterprises play an important role in the nationaleconomy in China, effectively promoted the growth of GDP, an increase of taxrevenue, increase employment opportunities, the development mode change hasirreplaceable role, for improving people’s livelihood, promote strategic adjustment ofeconomic structure also has a positive effect. With the gradual development of smallenterprises, the financing and other financial service demand is more and more strong.The progressive development of small and medium enterprises, financing and otherfinancial service needs of the more strongly. However, due to the small size of SMEsasset, management has internal defects, the financial system is not perfect internalrestriction, and the related policies and regulations are not perfect, poor creditenvironment and other external factors, the financing needs of SMEs has not beensubstantial content, greatly restricted the development of small and mediumenterprises. Especially since the2008financial crisis, the problem of financing smallbusinesses is becoming more and more prominent. Therefore, only to meet the fullrange of small business demand for financial services, to promote the sustained, rapid,healthy development of small enterprises, the real implementation of ScientificOutlook on Development, achieve the goal of building a harmonious society.The CPC central committee and the state council and government departments atall levels attach great importance to the problem of small business financial services,since2005, has introduced a number of documents to support the development ofsmall business financial services, including the China banking regulatory commission(CBRC) issued in2005the bank carry out small enterprise loan business guidance,supervise the banking financial institutions to establish and perfect the interest raterisk pricing, independent accounting, efficient, professional personnel training andexamination and approval, incentive and constraint default information bulletin siximportant mechanism; In2009, the state council issued the several opinions on furtherpromoting the development of small and medium-sized enterprises by. In2010, thepeople’s bank of China, the China banking regulatory commission, securitiesregulatory commission, insurance regulatory commission jointly issued\"aboutfurther do a good job of small and medium-sized enterprise financial services severalopinions. A series of supporting policies as showers, fully mobilize the enthusiasm of social from all walks of life to carry out small business financial services, and also forthe majority of small business development.Under this background, the book will small business financial services issues asthe research object, the cause of the previous research literature on small businessfinancing difficulties and solution were studied, on the basis of past research attemptsto further expand the research scope, the small business diversification, a full range offinancial needs, and the corresponding policies and regulations, construction of theexternal environment for the overall research, in order to establish and perfect thesystem of the small business financial services provides certain theory basis andpractice guidance, have a certain innovative and forward-looking.First of all, from the balance of short-term financial services and small enterpriseslong-term demand curve is analyzed, and combining the status quo of the currentfinancial market in China to a preliminary study of the supply of small business, so itis concluded that the current small business financial there is a big gap betweensupply and demand.Secondly, from the micro and macro aspects put forward solutions to smallbusiness financial gap between supply and demand. From the microscopic level, thatis, from the perspective of commercial bank put forward the solution for the smallbusiness financial services gap. At the same time, from the macro level, proposes sixservice and support system, and increase the supply of small business finance, reduceservice costs, to further solve the gap between supply and demand.Finally, on the basis of the above study, the following conclusions.One is the needs of small business financial services is very broad, is not limitedto the credit. Small business finance not only covers more than the small businesscredit of financial services demand, such as financial advisers, insurance, investment,finance, etc; And, more importantly, reflect the small business credit is a productoriented management concept, and small business financial reflected in the customeroriented business philosophy.Second, the small business financial services currently there is a big gap betweensupply and demand. Whether from small enterprise financial services present situationanalysis, or from the perspective of supply and demand analysis, a far greater extentthan small business financial needs are met, an urgent demand for credit, especially insmall businesses such as insurance and other financial advisory services is still in itsinfancy. Thirdly, it is to solve the small enterprise financial supply and demand gaprequires the joint efforts of the whole society, to give full play to national and localgovernments and departments at all levels of various financial institutions, the mainbody of resources and power.