Development And Management For Small Business Finance In Large Commercial Banks

At present, with the banking industry competition intensifies, commercial banks face increasing competitive pressure. Meanwhile, China’s financial market becomes more and more mature, gradually narrowing the gap with foreign countries and financial disintermediation has also been accelerated. In the context of an increasingly market mechanism dominanting economy, large scale expansion of the traditional commercial banks become increasingly difficult to adapt to the economic development needs and the bank’s own development needs.Accelerating the expansion of small business financing to achieve strategic transformation and foster new profit growth point has become an inevitable choice for large commercial banks in future development.In this context, this paper introduces research background separately from the perspective of large commercial banks, small business and economic development.Then discusses research status and literature review on small finance business for large-scale commercial banks which summed up the basic theory in the field. Then combined with analysis for situation and characteristics of large commercial banks respectively, analyzes the resistance and power for large commercial banks small finance business from theoretical and empirical perspective seperately.Finanlly, get the conclusion and the corresponding policy recommendations.