The Development Research Of Our Country Commercial Bank Small Micro Enterprise Credit Business

American subprime mortgage crisis of the financial crisis on a global scale formed the severe impact of national economy, the global economy after the boom since then stepped into the period of slow growth, the commercial Banks in China is also faced with the challenge of China’s economy with the global economy enters a downward cycle. At the same time, due to the small micro enterprise indispensable important role in the economy, small micro enterprise financial services of commercial bank’s strategic transformation, is the commercial Banks in the increasingly fierce competition, financial disintermediation and inevitable choice under the background of interest rate marketization. Under the premise of how to effectively avoid risks, active and steady speed up the development of the small business credit business, in a planned way step to adjust and optimize the structure of credit assets, continue to develop and cultivate the follow-up credit resources, improve the comprehensive competitiveness, become one of the important contents of the implementation of the strategic adjustment of Chinese commercial Banks.Along with the improvement of the speed of economic growth, a few years ago in Yunnan province of small business financing needs are also constantly expanding, for the development of small business credit business in Yunnan province provides a larger market development space, Kunming as a political center, economic center and cultural center of Yunnan province, many small businesses gather in Kunming area. Due to the small businesses at a state-owned commercial bank credit business in Kunming, set up time is shorter, development still exist in the traditional business paradigm, small business credit business development is slow, business problems such as too many procedures, business processes, coupled with the economic downturn cycle of small and medium-sized enterprise credit business risk exposure, add to the difficulty of the small business credit expansion.This article adopts the method of combining theoretical analysis and empirical analysis, first elaborated the research background and significance of this paper, the structure of the thesis framework and the analysis of the papers used in the analysis method of combining the theory of small business financing at home and abroad and at home and abroad advanced banking experience, in-depth analysis of the necessity of the commercial Banks to provide credit support for small businesses. Contact Kunming small businesses at a state-owned commercial bank credit business situation, in-depth analysis summarizes the restraints on the development of the small business credit business, combining with the actual situation in Kunming, puts forward some Suggestions for the development of small business credit business, state-owned commercial Banks want to Kunming some state-owned commercial Banks to small micro enterprise credit business development to provide theoretical and practical reference.