The Research On Small Micro Enterprise Financial Services In Yangtze River Delta

Since China’s reform and opening up，along with the socialist market economysystem further，China’s private economy to gradually rise，represented by privateeconomy，private enterprises of the private economy in the market share increase，gradually into the21st century，small micro began to gradually grow up，because ofthe small micro enterprise for urban and rural community，the rural workers，providing more opportunities，jobs and learning experience active local economy，especially the private economy in Yangtze river delta region active place，also is inthe people，make the people rich.Small micro enterprises play an important role to thenational economy development.According to information statistics，at present smallcompanies more than$60million，accounted for nearly99%of the total quantity isvery large.According to professor lang of small enterprises in China mainly include：small， miniature， family workshops， individual industrial and commercialhouseholds and other four types.The Yangtze river delta region of small and medium-sized enterprises on behalfof the private economy of energy， has a broad space in thirty solution region， forexample in suzhou region has hundreds of thousands of millions of small microenterprise， but due to the small miniature enterprise has the following features in theactual production and operation， the financial statements of the enterprise is notcorrect， small micro enterprise generally USES the family management is notperfect， the management data is incomplete， weak ability to manage a variety ofreasons， such as external personnel fail to accurately understand the status of theenterprise management， including business owners I command due to lack offinancial data for the whole enterprise is not very accurate， in the credit demand intoconsideration is not comprehensive， when in urgent need of money often provideasset-backed rarely， and provide detain goods is weak， do not accord with standard of bank credit guarantee mortgage condition， the county in rural areas arewidespread， generally poor ability to resist risks， short life cycle， operating profitis not stable， no strong guarantee collateral， at the same time relative to the serviceof large enterprises， small micro enterprise of labor service rate is relatively highcost， and numerous lock operation， high risk， low labor productivity.Small microenterprise own factors and the service is the existence of a variety of factors， theBanks themselves， small micro enterprise financing phenomenon is widespread.TheYangtze river delta region of small micro enterprises，through its business activities，has a higher demand on small financial services.In the thirty solution region has abroad space.Exampled by a certain county Banks of Yangtze river delta region to providefinancial services for small enterprises as the core.Through the analysis of smallmicro enterprise concept， characteristics and development status.Combined withcommercial bank in Yangtze river delta of small micro enterprise financing way，analyzing the present situation and problems of loans， analyze the local trade(state-owned Banks， joint-stock Banks， rural commercial Banks).County bankbranch post office in the micro level in small micro enterprise service necessity，based on the post office bank itself in the small micro enterprise of the problemsexisting in financial services， post office bank improved organizational structure，broaden the service way and service mode， strengthen risk control Suggestions andstrategy，make full use of the post office bank network characteristic， fundingsupport county small micro enterprise development， improve small micro enterpriseservice ability， development experience， enhance comprehensive marketcompetition ability.