Research On The Supply Of Chinese Commercial Banks Small Micro-Credit

Micro and small companies are important parts of national economy, and the main undertaker of social employment, and have pivotal role in promoting economic growth and maintaining social stability. However, for a long time, micro and small companies have faced with difficulty in financing, which seriously restricts its development. Since the 18th National Congress, to micro and small companies, the state has introduced a lot of support policies, banking regulators have taken a series of measures to strengthen the credit support. Commercial banks have vigorously strengthened product innovation and customer development to develop small micro-credit business. On one hand, it can meet the needs of the regulatory requirements and enjoy the policy incentives; on the other hand, it can implement management transformation and seek new profit growth point. In spite of this, the small micro-credit of commercial bank still has serious imbalance between supply and demand. In this paper, the research emphasis is through theoretical and empirical analysis, analyzing the specific reasons of causing imbalance between supply and demand, and putting forward effectively suggestions on reducing the imbalance.This paper first analyzes the present supply of commercial banks small micro-credit. Supply is on the rise, and the State-owned Commercial Banks dominate in all kinds of commercial Banks, but its proportion of total loans is still low. The supply of commercial banks small micro-credit also shows some new characteristics. Second, it analyzes deeply existing problems and its reasons of commercial banks small micro-credit supply. Third, it analyzes empirically the influence factor of commercial banks small micro-credit supply. Total assets, total number of employees, Loan-to-deposit Ratio, market share, non-performing loan ratio of commercial banks have a significant negative impact on the small micro-credit supply. Last, it puts forword some suggestion on increasing the supply of commercial banks small micro-credit.