Analysis On Financial Service Commercial Bank Providing To Mini-enterprises

Currently,99%of the domestic enterprises are small and micro enterprises. The Dividend of reform and development have promoted small and micro enterprises’ development. while, depending on its flexible operation mechanism and sensitive market sense, small and micro enterprises have enriched the fruits of reform, improved the market economy constitutes improve the market activity, promoted economic development, social harmony and external development. Paying attention to and supportting the small and micro enterprises development have become recognized priority of the world’s governments, academia and industry.At present, the majority of mini-enterprises are meeting higher degree of competition in the industry, thus, they hold the weak ability to resist risks as well that they are vulnerable to market conditions, national policies and the economic cycle fluctuations. Thus, Chinese capital market is faulty that makes mini-enterprises difficult to financing by securities, external financing mode mainly centralizes on the credit market of bank, but because operation is weak, mortgage assets are few, information isn’t clear, mini-enterprises meet the credit distribution restriction on the course of borrowing money, financing has come into being the bottleneck to restrict the health and good development of mini-enterprises in our country. Based on the principle of risk-adjusted profit maximization, to ensure that small and micro enterprises in the production and management problems can effectively preserve the assets, the bank often requires small and micro enterprises to provide full collateral or take a more comprehensive security measures (such as:require companies provide a good credit history or a guarantor guarantees enterprise). However, in actual operation, small and micro enterprises can not meet collateral requirements or the requirements of the bank guarantee measures, and therefore, even a small micro-enterprise itself has good potential for development, the bank reported in its often refused loans or credit crunch business behavior.The paper uses comparative analysis and empirical analysis, firstly outlines the encountered difficulties of Chinese commercial banks expanding mini-enterprises financing financing business, then concluding the experiences of expending mini-enterprises financing services of large commercial banks and city commercial banks at home and abroad, putting forward main countermeasures to solve the question of how to solve the problem from perspective of commercial banks, including drawing up business financing strategy based on top-level design, docking of mini-enterprises characteristics and optimize the internal management, strengthening linkage for banks and enterprises, improve successfully of financial demand, and so on. Finally, expounding elaborates specific measures to small and micro financial demand, the XX branch of PSBC (POSTAL SAVINGS BANK of CHINA) as an example, putting forward empirical analysis to some useful attempts of meeting mini-enterprises financing need, Summarizing the difficulties and problems existing in development, and then, putting forward optimization measures on basis of practice of other commercial banks.