| Small and micro enterprises has an important part in our national economy, and a special role that can not be replaced by large enterprises in the development of economy and society.But it is hard for them to gain credit support.The author get a small sample survey of Chongqing Small and micro enterprises through questionnairing and visiting, understanding the problems of Chongqing Small and micro enterprises of banking credit discrimination.And the Small and micro enterprises of Chongqing’s financing channel is narrow, and can not afford the folk financing cost. And the causes of these phenomena, including the interest rate regulation, macroeconomic policy, commercial bank credit discrimination, and Small and micro enterprises’ strength is insufficient.At present, Chongqing goverment introduced a number of policies to solve the problem of Small and micro enterprises’ financing, including the establishment of micro enterprises and incubator Park, to give the micro enterprise registered capital subsidies; through financial subsidies to give Small and micro enterprises financing interest compensation, reduce the Small and micro enterprises’ financing cost. Several large commercial banks have set up small businesses special branch, launched the products to meet Small and micro businesses’ loan demand. At the same time, Chongqing also through the Internet P2 P platform to provide a convenient, fast, low-cost financing to Small and micro enterprises.To solve this problem needs the government, commercial banks and small and micro enterprises to work together. First of all, the government should solve the problem of interest rate control, and actively promote market-oriented interest rate reform, and establish the multi-level capital market, guide the development of private capital. At the same time, the commercial banks should pay much attention to small and micro enterprises, improve the credit product design, create a professional small and micro credit team. Finally, small and micro enterprises should improve their own strength, enhance risk awareness, improving the financial information. |
