City Commercial Banks For Small And Micro Business Financing Support

In recent years, with the rapid development of social economy, small and micro enterprises have continued to grow and develop. In March,2014, the State Administration for Industry and Commerce issued the "development report of national small and micro enterprises(Abstract)", the report pointed out that small and micro enterprises in China are huge in quantity, plays an important role in promoting the economic development, has become an important pillar of the national economy, is an important foundation for sustained economic growth. However, due to the production diversification of Small and micro businesses, capital scale is small, the financial system is not perfect and other reasons, financing and loan difficulties has been the biggest problem hindering its growth, the credit system coupled with the Small and micro businesses is not perfect, it is difficult to obtain bank financing support, seriously restricted the development of small and micro enterprises.Local city commercial bank in support of small micro enterprise financing has advantaged advantage. Local city commercial banks should play their own advantages, and to the local region small micro enterprises to provide comprehensive, differentiation and multi-level financial support and services. At the same time, also can use the Small and micro businesses financing business, established with its own characteristics, and efficient business model, enhance the core competitiveness of their own.In view of this, this paper takes the small micro enterprise financing difficult for a foothold, from the perspective of local city commercial banks to analyze the causes, makes every effort to find a balance, both for small and micro enterprise to solve financing problems, and create profit for the commercial banks, so as to achieve “win-win”.To achieve the purpose of promoting the common development of the whole regional economy and finance. The first part of this paper is introduction. This paper briefly describes the background and significance of the research, introduces the research results of scholars at home and abroad.Make a brief description of the research methods and innovations. The second part of this article brief description of the basic theory of involved. The third part of the article firstly specifically introduces the analyzes the relevant theoretical basis small and micro enterprise financing present situation. Mainly introduced the concept’s definition of small and micro enterprise, development present situation, from the angle of enterprises and bank angle to analyze the reasons of financing and loan difficult. introduces small and micro businesses financing present situation of the city commercial banks, summed up the city commercial banks should carry out strategic regression, support the development of the local regional small and micro businesses, to achieve a win-win situation. The fourth part of this article through the field investigation and data acquisition of luo yang bank, from the credit team, from the aspects of credit team, small micro credit products, credit management system, credit risk control and so on, the detailed analysis of the current situation in luo yang banks support small and micro enterprise development, and analyzes its existing problems and countermeasures of supporting small and micro enterprises funding,mainly includes the perfect credit system, strengthen the brand innovation, simplify the approval process, optimizing risk management mechanism. The fifth part of the paper based on the summary of the fourth part, put forward local city commercial banks to support small and micro businesses financing feasible suggestions, mainly including the bank’s internal management and government support, the hope can help improve small and micro enterprise financing, enhance the competitiveness of the local city commercial bank, realize win-win. The last part of the article is a general summary of the whole thesis, proposes the short comings.