The Financing Status Research On Small And Micro Businesses

Small and micro businesses in the national economy is the most active entityand made great contributions to the development of China’s economy and thecontinuous growth. Along with the increasing number of Small and microbusinesses, the growing scale of production, the country attach more and moreimportance to the development Small and micro businesses, and graduallyimprove the service of financial system, to create a good environment fordevelopment. Construction Small and micro businesses can not only increaseemployment opportunities, more important is to boost domestic demand, promotethe benign development of the economy, to the people’s increasing confidence andhope. In2011, about10000000of the country’s tax contribution of small andmedium-sized enterprises is50%, the creation of60%of GDP, the innovation is70%, the solution to the problem of employment is80%, accounting for99%ofthe number of the healthy development of the national enterprises Small andmicro businesses, is to reduce the employment gap, promote the important powerof economic growth and social harmony and progress, with the strategic positionof beneficial to the people’s livelihood. The financing has been restricting thedevelopment of Small and micro businesses or even the main obstacles affectingSmall and micro businesses to survive. In China’s economic development in thesteady growth, structure, accelerate the transformation of historical stage, toensure the healthy development of Small and micro businesses through thedevelopment of Small and micro businesses credit, the urbanization processfurther, optimize the industrial structure, consumption has a very importantsignificance. Therefore, analysis of the causes, Small and micro businesses loansand an antidote against the disease, has a very important significance to improveour country Small and micro businesses loans difficult situation.The paper aims to study and discuss how the commercial banks promote thecredit service-oriented architecture of the small and micro businesses, accordingto the current situation of them, based on the philosophy of reform andinnovation in order to overcome the financing difficulty of the small enterprises.Besides, I will make an analysis and comparison among the banks in differentregions from the angle of the evaluation indicator of the coverage of the small andmicro businesses loans so as to analyze the credit supply for the small and microbusinesses dominated by banks, its difficulties and causes. Also, the paper willexplore such issues as the diversified financing channels of the small and microenterprises, further sinking of the finance supply structure of them as well as theimprovement of the path design macroscopically. Finally, profound discussion willbe conducted about the innovation concepts involving the business model, processdesign and risk control of the credit and loan of the small and micro businesses provided by the commercial banks on the microscopic level.This paper mainly divided into the following several parts: firstly, thedefinition and classification of small micro enterprise to proceed, analysis of thedevelopment status, according to the characteristics of its great quantity, widedistribution, various types, strong firepower, highlight the improvement andadjustment of China’s industrial structure, personnel employment, play animportant role in promoting the urbanization process etc. Secondly, thecharacteristics of the commercial banks to provide financial services for Smalland micro businesses, and compared analysis of the causes of defects, Small andmicro businesses credit business model and financing, combined with the pricingand innovation mechanism of the credit products, idealized marketdemonstration Small and micro businesses and commercial bank’sselection.Finally, compare Small and micro businesses credit standard policiesand tools, to improve the commercial banks to small and micro policies andsuggestions for design enterprise service channel architecture.