Commercial Banks Solution To The Problem Of Small Micro Enterprise Loans Difficulty

The size of China’s small and micro enterprises is huge, and it has solved one-third of the employment in our country. Besides, it also has contributed nearly two thirds of the income tax, becoming an important force in the active market economy and the Indispensable part of the national economy. But it has faced with the bottleneck of difficult to get loans. Solving the problem of small and micro enterprises financing difficulties, not only aiming to promote the development of the small micro enterprises, also with the development of the national economy and social stability.The reasons of loans difficult on small and micro enterprises are the small micro enterprises’own reason, but also are external reasons, such as the commercial bank credit crunch and commercial banks has less medium and long term financial products for small micro enterprises. Banks are more willing to loan to large and medium-sized enterprises of relatively small risk. And the absence of government services and the imperfect system of financial institutions for the other reasons.In view of the small mirco enterprise problems, learning some solutions and experience at home and abroad. The more representative of the countries and regions involved, there are American, Germany, Japan, Taiwan and South Korea, China Min sheng bank.Through comparative study analysis, find out some common successful experience.In order to solve the problem of small and micro enterprise loans difficult, small and micro enterprise security agencies need to guarantee it, so that commercial banks will be easier to accept small micro enterprise loan applications. Not only that also need to strengthen the construction of small and micro enterprises themselves.Therefore, solutions designed around small and micro enterprises in the perfect premise Guarantee System, and commercial banks to carry out scientific credit business for small enterprises, Small and micro enterprise itself construction and other aspects to solve the difficulties of small and micro enterprise financing difficulties, achieving win-win situation.