A Study On The Development Of Small And Medium - Sized Enterprises' Credit Business In Large - Scale Banks In Xilin Gol

Small and micro enterprises is an important component of national economy, it plays an active role in wealth accumulation, rich market types, employment opportunities as well as technical innovation. But the financing of small and micro enterprises have a lot of difficulties because it’s defects such as weak ability for guarding against risks, confused management, low-tech product, uncultivated staff and so on. The reasons of difficulties in financing not only for the defects of small and micro enterprises, but also for financial institutions didn’t pay attention enough and national policy isn’t perfect ect. In Xilinguole League, five big size banks as the main force which services to small and micro enterprises behind the existence of the drawbacks of business model, the cost of information collection is always be higher, Small and micro enterprises service has develop slow, although most big size banks have wider social network and multitudinous branches. First this article make a detailed analysis on current situation of small and micro enterprises’s financing research, than starting from it’s feature, affect and industry’s feature, try to illustrate Xilinguole League’s big size banks credit support to small micro enterprise present situation and the problems in the development of small business, and on the analysis of the causes for multiple perspectives, finally combining the reality of Xilinguole League’s big size banks in small business success, puts forward many strategy and method on small micro enterprise to improve Xilinguole League’s big size banks’service, a detailed analysis on the reasons of the problems and put forward the measures to solve the problem will be the focus in the study of this article.