Small And Micro Enterprises Specializing In Research Credit

Current research on small and micro enterprises domestic and international academic creditmanagement, but also a relatively new field, and did not form a complete theoretical systemand solutions. The problem of financing small and micro enterprises is a worldwide problem,not only in our country exists, exists in developed countries is the same. Economic theoryand practical experience from the perspective of the countries to solve the problem offinancing small and micro enterprises, at least to give full play to the role of the three mainbusinesses, governments, financial institutions, involved in the legal environment, multi-improvement and technical innovation of credit and other credit environment aspects, withthe long-term nature and complexity. From the perspective of financial institutions startingto Rural Commercial Bank as the main, based on the actual situation of China’s currenteconomic and financial environment for small and micro enterprise assets are small, weakwind resistance and other characteristics, from the organization, planning and managementof innovative credit angle. Explore a suitable Chinese commercial banks to small and microbusiness credit management approach, the active role of commercial banks and otherfinancial institutions to ease the financing difficulties of small and micro enterprises hasimportant theoretical and practical significance.