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Research On Financial Service Of Small And Medium - Sized Enterprises In Commercial Banks

Posted on:2016-03-16Degree:MasterType:Thesis
Country:ChinaCandidate:R QiFull Text:PDF
GTID:2279330461498824Subject:Financial
Abstract/Summary:PDF Full Text Request
On the nature, Small and micro businesses is a kind of industrial and commercial enterprises, with independent corporate qualifications, the obligation to pay taxes, is a new development of our market economy can not be ignored emerging powers. Small micro financial services, in particular to a specialized "Small and micro businesses" user research and development, according to the Small and micro businesses financing needs and development of financial services products. Commercial banks not only contributes to the development of micro enterprise own small micro financial services, more conducive to stimulate commercial bank funds, improve the capital of commercial banks transfer speed, improve the commercial bank capital management level and comprehensive investment profit ability, promote the development of commercial banks. From the global perspective, the commercial banks to carry out small micro financial services can further improve China’s economic structure, and promote the healthy development of China’s economy as a whole, therefore, the implementation of commercial bank small micro financial service mechanism improvement is very necessary.This study is divided into five parts. The first part is the introduction of research, is the research background, research significance, research methods, literature review of paper. The second part is to do a simple overview of China’s commercial banks Small and micro businesses in financial services, the content is mainly expounds Small and micro businesses of the status quo, characteristics and Small and micro businesses of commercial bank financial service characteristics and development necessity. The third part is the commercial bank Small and micro businesses financing present situation are introduced, and introduces the foreign commercial bank small micro financial service development present situation and advanced experience analysis. The fourth part mainly from the three level, the external environment Small and micro businesses of their own level and the level of commercial banks, analyzes respectively from different causes of Small and micro businesses in financing dilemma. The fifth part is the suggestions on commercial bank small micro financial service mechanism, starting from the external environment support level and the level of commercial banks, and puts forward suggestions to perfect the commercial bank small micro financial service mechanism.
Keywords/Search Tags:commercial bank micro financial services, micro businesses loans
PDF Full Text Request
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