Study On The Development Of Small Micro Credit Business In Commercial Banks

Small and micro businesses of our country is an important part of the nationaleconomy, the development of Small and micro businesses concerns for the nationaleconomy security, therefore, the need about credit of Small and micro businesses isconcerned. At present, the overall Small and micro businesses financing situation isnot optimistic, the difficulty of the Small and micro businesses financing become animportant factor to hinder the healthy development of the Small and microbusinesses, and as the main provider of the Small and micro businessesfinancing,the support of the financing of commercial bank is unable to meet theactual needs. The traditional credit of the commercial bank can not solve the Smalland micro businesses financing problem, the reason is that it unable to solve theinformation asymmetry, and the financing costs is too high. At the same time, alongwith the competition, the commercial bank needs to divide the market share withinnovation, and Small and micro businesses become an important battlefield ofcommercial banks. With the advent of internet finance makes, the problem of Smalland micro businesses financing difficulty has been break through. The cooperationof commercial banks with the internet financial subject, inspire commercial banks tochange the traditional way. With the transition from traditional business to theInternet innovation, commercial banks will gain much more market share of smalland micro business.