The Study Of Commercial Banks’ Innovative Measures For Small And Micro Enterprise Financing Taking QL Bank As An Example

Small micro enterprises play an important role in economic and social development in our country. The growth of Small micro enterprises will promote economic transformation and alleviate employment pressure.At the same time, small micro enterprise is known simply as the cradle for the growth of new generation of entrepreneurs in China, especially in the period of new normal. However, as a vulnerable group, the small micro enterprises are facing with the plight of financing difficulties which impede the development in the future.In recent years, countries have introduced a series of policies to support the development of small micro enterprises; commercial Banks also increased credit support to small enterprises. However, there are still a lot of small micro enterprises rejected outside the door of bank.Through analyzing measures and effect of supporting small micro enterprises in some typical commercial Banks, this article will find out the defects and the insufficiency of bank financing and try to make reasonable suggestions.The countermeasure of major banks is as follows: first, to change ideas in the way of financing guarantees; second, to strengthen the examination with positive incentives which will improve the marketing initiative of bank employee;third to promote the application of scientific analysis of the investigation and control potential risk effectively; forth, to speed up the process innovation and improve the efficiency of small micro enterprise service.The countermeasureof small and medium banks is as follows: first, to actually change bank management strategy and survive in the fierce market competition; second, to innovate or introduce advanced Small micro enterprise loan technology; third to attaches great importance to the role of Process Reengineering; forth, to set up efficient marketing team which could win the market competition.By putting forward the Suggestions and countermeasures above, this article aim to further enhance the level of commercial bank service for small micro enterprises and solve the problem of financing difficulties.