Research On Commercial Banks Supporting Small And Micro Enterprise Financing

For a long time, small and micro enterprises made great contributions to our country economy. In solving the employment, small and micro enterprises absorb a large number of rural surplus labor. In terms of promoting economic system reform, small and micro enterprise has strong flexibility, is easy to adapt to market changes, and has played a positive role to our country economic system reform. However, small and micro enterprises in the development of many aspects has been faced with the problem of insufficient funds. So, small and micro enterprise’s financing difficulties become a problem to be solved in our country. The purpose of this article is to analyze the problems of the commercial Banks in terms of support for small and micro enterprise financing, with China construction bank Bengbu branch as an example, and put forward the feasible countermeasure, to achieve the commercial Banks’ long-term strategic goals for the loan to support small micro enterprise financing.The first part of this the paper tells the thesis research background, purpose, research status at home and abroad, research content, the paper’s innovative and insufficient; The second part presents the related theory of commercial banks to support the small micro enterprise financing, and use it as the basis for the thesis. From the business overview, business types and business innovation angle, the third part of the paper analyze the present situation of China construction bank Bengbu branch’s small and micro enterprise financing; Subsequently the paper sums up the China construction bank Bengbu branch of small and micro enterprise business problems from the China construction bank Bengbu branch small micro enterprise business management defects, hard and fast rules and service quality point of view. Then such as barriers to entry, mortgage interest rate pricing regulation research is carried out, to analyze the internal factors caused by the bank; After clearly researching China construction bank Bengbu branch’s status and existing problems, the fifth part of the thesis borrows the successful experience of domestic and foreign commercial banks, and compares them to analyze the applicability in our country; The sixth part, on the basis of Bengbu branch’s present situation and existing problems, combining the successful experience of domestic and foreign commercial banks, puts forward the countermeasures.