| In recent years, The development of small and micro enterprises received extensive attention of the society from all walks of life, especially push forward the reform of the economic comprehensively deepen in today.Small and micro enterprise has become the important driving force during our country economy smoothly, largely avoided in the process of economic system reform in our country "hard landing". By the end of 2014 the small enterprises in our country has more than 11.7 million households, nearly 80% of the total number of registered enterprises in our country, provides more than 75% of urban jobs and promote the development of social economy greatly. Accordingly, small and micro enterprise plays a vital role in our economy.At the same time, the difficulty of financing is always restricts on the development of small enterprises. Small micro enterprises have always been subjected to its own constraints and large enterprise with competitive disadvantage, getting loans from commercial banks is the main way of its financing. In order to alleviate small micro enterprise financing difficult problem, governments support measures to encourage commercial banks to increase funding support to small enterprises. At the same time, banks face the competition from inside and outside the industry is increasingly fierce with the advancement of market-based reform of interest rates in China. small and micro enterprise get more attention of the bank. small and micro enterprise loans also increased year by year. Promoting small micro enterprise financial services have improved the commercial bank profitability.In this paper, on the basis of current situation of the development of small micro enterprise loans,through the empirical research and analysis the influence of the small micro enterprise loans of commercial bank profitability. Accordingly put forward to promote the development of China’s commercial banks small micro enterprise loan countermeasures and Suggestions. |
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