Research On The Development Of Credit Business Of Large Commercial Banks Under The Small And Micro Businesses

Small and micro businesses as an important force in promoting the development ofnational economy, occupy an increasingly important position in the overall operation of theeconomy. Commercial banks to adjust credit structure, strengthen credit support for microbusinesses, the development of Small and micro businesses the credit business is an importantstrategic choice for sustainable development. To support and promote the financial andtaxation policy, large commercial banks have also increased the Small and micro businessessupport, but for Small and micro businesses credit support is obviously insufficient, thecontradiction between supply and demand, the credit gap is bigger, the demand for creditSmall and micro businesses to meet the low level. Small and micro businesses credit businessof commercial banks as the strategic focus business transformation, has important practicalsignificance and theoretical significance to large commercial banks strategic upgrading andsustainable development. This paper first defines the large commercial banks Small and microbusinesses to customers, according to the national four ministries enterprise size standards fordefining the scope and the standard of the target. And then analyzes the connotation anddenotation of opportunity cost, for reference on the basis of the analysis of domestic andforeign banks to small businesses on the advanced experience of the. In this paper, largecommercial banks as the foothold, from our country small and micro enterprise developmentpresent situation and the present situation of the development of large commercial banksSmall and micro businesses of credit business, explains the large commercial banks Small andmicro businesses credit problems; the financial and operating performance of angle, angle ofview, reputation, credit rationing risk credit risk perspective and from the policy financialpolicy, the macro economy, local government, state their social responsibility and financialimpact of the Internet are analyzed, focusing on the analysis of large commercial banks Smalland micro businesses the credit business internal and external advantage. Internal and externaladvantage premise finally large commercial banks based on the face under the proposedcountermeasures for large commercial banks to carry out Small and micro businesses creditbusiness.