The Study On Small And Micro Enterprises’ Financing Efficiency Of The Large Commercial Banks With The Background Of Inclusive Finance

Inclusive finance, is an important financial development model which is widely recognized by international community. In order to promote more small and micro enterprises and other special groups acquire relatively reasonable financial services,international economic organizations have been established and introduced the relevant strategic framework and action plan. Our country also attaches great importance to the construction of inclusive financial sectors and small and micro enterprise development.The third plenary session of the communist party’s eighteenth clearly put forward "developing inclusive finance", assisting people’s livelihood, and benefiting the small and micro enterprises. With the background of inclusive finance, large commercial banks, as the financial services provider, should response to the call of the government policy, simultaneously, actively integrate its own characteristics, identify the market position, and play to their strengths, and promote the implementation of the small and micro enterprises financing business. The one hand, large commercial banks need to follow the trend and seize the opportunity to expand the potential market of the small and micro enterprises financial services. On the other hand, they should integrate the characteristics of the financing needs of the small and micro enterprises, to provide suitable financial services to the small and micro enterprises to achieve the win-win situation. At present, although the small and micro enterprises’ financing services of Chinese large commercial banks developed after several years, they still remain the inefficient financing, less targeted and other issues. Therefore, for large commercial banks, it is necessary to study the efficiency of the small and micro enterprises financing. At the same time, it will be provide some suggestions to some specific issues for the future.This study clears the background of inclusive financial firstly, accordingly, and specifically studies the theories of the small and micro enterprises financing of commercial banks. Followed by, first, analysis the current situation of small micro enterprise financing needs, and lay the foundation for the financing. business development of the small and micro enterprises of large commercial banks. Second,analyze the problems of our large commercial banks’ small and micro enterprises financing situation,such as business development, operating results, businessadvantages, operating problems,and draw which areas need to improve,. Third, plan an DEA empirical analysis on the small micro-enterprise financing efficiency of our five large country commercial banks, compared with the small and medium commercial banks, which including service efficiency and profitability efficiency analysis, the final results is that the large commercial banks in small and micro enterprises financing have long-term development space. Finally,innovative countermeasures have been proposed with regard to the small and micro enterprise financing efficiency of our large commercial banks, which is divided into five major aspects of inclusive financial system development, large commercial bank system innovation, service innovation, product development and innovation, and risk prevention.